AMEX PROBLEM...

[Anonymous]

So I got the Blue from Amex couple weeks ago limit $1.5k come today i have no job anymore. I got laid off  

However I wanted to know about the 3X CLI after 61st day. Do I have to talk to a live person or can I do it online or telephone automated system?

Because If I talk to someone im sure she is going to ask about my income. Now That I don't have any it will be a problem I dont want them to close my card!

I have above 6 sigures in my bank accounts. So paying it back is not a problem. And I will get a new jobb shortly. I have Paid in full what I charged on it this past week which was about $1.5k . Any suggestions? 

[Trigga]

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@Anonymous wrote:

So I got the Blue from Amex couple weeks ago limit $1.5k come today i have no job anymore. I got laid off  

However I wanted to know about the 3X CLI after 61st day. Do I have to talk to a live person or can I do it online or telephone automated system?

Because If I talk to someone im sure she is going to ask about my income. Now That I don't have any it will be a problem I dont want them to close my card!

I have above 6 sigures in my bank accounts. So paying it back is not a problem. And I will get a new jobb shortly. I have Paid in full what I charged on it this past week which was about $1.5k . Any suggestions? 

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@Anonymous not wait untill you have a new job then apply , nothing says it has to be right @ 61 days !?? Anyway you ask for a CLI im sure they will ask income via online or CR .

[Anonymous]

Sorry to hear about your job loss. I would recommend you try the automated system for the cli. Generally people give Amex permission to access tax records in case of FR so you should be safe. I hope you get a job soon. Best of luck.

[Anonymous]

Do you think If I ask for a CLI they will do a FR ? What happens If I just tell her the same amount i made when i oppened the account? 

[frugalQ]

+1

Ive never requested a cli from Amex, so i cant answer your specific question. However, Is there a reason you need the increase at 61 days? Do you have balances on any other card and need the increase to reduce your util? If not, I suggest waiting until your employment status is more stable.

If you don't carry any balances, increasing the limit will not boost your score. Just having the card open and in good standing month after month will have a positive impact.

[lhcole77]

Whether you request it online or over the phone, any credit limit increase requires them to ask you what your annual income is.

Personally, I don't think it's a good idea to request an increase until you have a new job.

P.S. I'm sorry to hear that you got laid off.

[Anonymous]

I just wanted a credit increase because I wanted to get the membership points. My other credit card are 0 balance I always PIF every month. But using my debit card and have no rewards. If I use my card I get points that was the only reason. But now im nervous I dont want to lie and say I make the same etc. I also dont want a FR. I guess your right, I should wait and not risk it. 

Do they do CLI by themselves if they see you PIF every month? Or is it always that you have to request it? 

[djc1puno]

best to just wait until you get a new job that way it's much safer on your end...

[scenery_guy]

They ask for annual income. Just put what you were making yearly. Do it online - it's easy peasy. Don't sweat it, I am sure you will be back at it in no time. 

[JonStur]

I can't recall anyone getting an auto CLI, so I would just hold off if I was you..I'm sure you'll be employed soon...