AMEX Questions

[manbuckets]

I have some questions about my AMEX card and future cards in general? Thank you in advance for the responses!

1. Does the 61 day 3x CLI work on cards with a 2k limit? I know that it's difficult with a 1k limit

2. Is the "Congratulations, you're preapproved" message accurate even if you just got a card 1 month ago and only 11 months total history?

3. Is it wise to apply for a new card before I try the CLI or should I err on the side of caution and wait?

[blindambition]

Yes 61 days works on 2k. That doesn't mean you'll get one. CLI are harder to get.

Do CLI before new app. Preapproval is pretty solid.

[Anonymous]

1. CLI always can be done but isn't guaranteed

2. Yes. You can open up multiple Amex cards in a short time frame. 

3. I've seen it work both ways where you can CLI before or after an app. I'd rather have a new Amex than a higher limit.

[wasCB14]

I've not asked Amex for a CLI since 2015 (but have opened other cards and made reallocations). So I'm not an expert on those.

But if I saw a SUB I wanted, I would focus on that. CLIs and reallocations can always come later.

[MrDisco99]

I would do the CLI first. I doubt it would affect your ability to get a new card. 

[blindambition]

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@MrDisco99 wrote:

I would do the CLI first. I doubt it would affect your ability to get a new card. 

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Exactly! Whereas a CLI may be denied after new app.