AmEx >$25k CLI Data Point

[Anonymous]

I had a mini OCD panic attack about a week ago when looking at my awkward AmEx CL of $22.5k. I decided to call in for a CLI since it's been well over 6 months since I've had one; I requested, and was instantly approved for $50k even (ahhh... makes my brain feel better).

I did NOT receive a FR in lieu of this CLI. There has been some debate about whether an AmEx FR comes from requesting a CL over $25k or from requesting any CLI when your CL is already >=$25k. So given my experience I'm guessing it's the latter, but as always, YMMV.

[Anonymous]

---

@Anonymous wrote:

I had a mini OCD panic attack about a week ago when looking at my awkward AmEx CL of $22.5k. I decided to call in for a CLI since it's been well over 6 months since I've had one; I requested, and was instantly approved for $50k even (ahhh... makes my brain feel better).

I did NOT receive a FR in lieu of this CLI. There has been some debate about whether an AmEx FR comes from requesting a CL over $25k or from requesting any CLI when your CL is already >=$25k. So given my experience I'm guessing it's the latter, but as always, YMMV.

---

---

@Anonymous wrote:

I had a mini OCD panic attack about a week ago when looking at my awkward AmEx CL of $22.5k. I decided to call in for a CLI since it's been well over 6 months since I've had one; I requested, and was instantly approved for $50k even (ahhh... makes my brain feel better).

I did NOT receive a FR in lieu of this CLI. There has been some debate about whether an AmEx FR comes from requesting a CL over $25k or from requesting any CLI when your CL is already >=$25k. So given my experience I'm guessing it's the latter, but as always, YMMV.

---

looking at your signiture would probably be the answer to why they have not FR'd you. Now if a person  had a bunch of 1-5k limits then I would understand an FR, but from a CSR's point of view if I saw a Palladium card in your arsenal I would automatically increase your limits since it's over 4x your current limit with Amex but that's just me.

[scenery_guy]

Awesome. And I am laughing with you one the brain soothing evenness of $50K. I'm guessing you are well established with AMEX (as with other banks) and your history is good enough. 

[red259]

Yea, my understanding about the requirements to get a Palladium card would probably put me at ease if I worked at Amex about a CLI.

[Anonymous]

---

@Anonymous wrote:

---

@Anonymous wrote:

I had a mini OCD panic attack about a week ago when looking at my awkward AmEx CL of $22.5k. I decided to call in for a CLI since it's been well over 6 months since I've had one; I requested, and was instantly approved for $50k even (ahhh... makes my brain feel better).

I did NOT receive a FR in lieu of this CLI. There has been some debate about whether an AmEx FR comes from requesting a CL over $25k or from requesting any CLI when your CL is already >=$25k. So given my experience I'm guessing it's the latter, but as always, YMMV.

---

looking at your signiture would probably be the answer to why they have not FR'd you. Now if a person  had a bunch of 1-5k limits then I would understand an FR, but from a CSR's point of view if I saw a Palladium card in your arsenal I would automatically increase your limits since it's over 4x your current limit with Amex but that's just me.

---

I used the automated phone prompt for the CLI, and have read many times that any request greater than $25k automatically triggers a FR. That was obviously not the case with me, so I think it's a CLI when you have >=$25k line that triggers the auto-FR. Maybe other forum members can comment with their experiences. Additionally, the JPM Palladium card doesn't even report to CRB, so this $50k AmEx limit looks like the biggest one on my CR.

[gen-specific]

I did $10k to $30k instantly online.  typical AMEX 3x CLI 

no 25k threshold for me either. this was two weeks ago maybe?

[Anonymous]

In other words: $24k limit with CLI to $72k would not trigger an auto-FR. However, a $25k limit with a CLI to $30k would.

[Anonymous]

---

@Anonymous wrote:

In other words: $24k limit with CLI to $72k would not trigger an auto-FR. However, a $25k limit with a CLI to $30k would.

---

I think it's probably more along the lines of your spending habits more than anything. The risk assessment should be based on past spending and repayment habits. If your charging atleast 3-4k a month on a card, and paying it back on time and not carrying large balances for a long time that should not warrent a FR. Now if your only charging $500 a month on average why would they give you a higher CLI beyond 25k? But in your case your limits greatly shows that others banks trust you a lot. So that should be enough imo.

Remember credit is just trust. and Trust is contagious, the more that trusts you the stronger the trust becomes with others.

[Anonymous]

---

@gen-specific wrote:

I did $10k to $30k instantly online.  typical AMEX 3x CLI 

no 25k threshold for me either. this was two weeks ago maybe?

---

Thanks, so that's more evidence that there is no AmEx auto-FR when requesting a CL over $25k with a starting CL under $25k.

An interesting strategy for people trying to get the highest AmEx CL possible without enduring a FR would be to first CLI to $24.9k, then 6 months later CLI to exactly $74.7k. Not a good option for those with OCD though.

[Creditaddict]

I think this is just another one of those things with Amex that since we are so on top of it on this board you see just a couple posts and it becomes fact but in the end even the thousands of members or what ever Fico forum has we are an ant size population of Amex cardholders and clearly with amex offering I believe up to $250k on revolving credit cards and who knows on charge cards, I don't think $25k instantly means review or finances.... but it kind of just has been said by reps in past...

back when i managed my fathers optima that had $25k, I tried to go to $30k and it was instantly declined but then turned around and applied and opened a different card with $10k.... i think i only tried 2 over the years for the opima CLI over $25k and it was denied both times but never had issue adding 5 other revolvers with CL's up over $67k total and he was never FR.  I even spoke with credit department once who said the info they had was very outdated and certain things on credit but long history with them, etc. etc..... when the crash of 2009 happened he lost a lot of those CL's with amex but they never closed a card and they never FR'd.

I just have to say, I'm still jaw on floor over your 5 Chase cards even before counting Palladium... you got lots of eggs up in that bank!!! paying off clearly but who knew!

are you at a bit of a ceiling on the regular chase cards since they all seem to be at a nice even $25k or is that because you don't even ask and they focus all the attention to your Palladium??

sorry little off topic but very interested!