Amex 3x CLI utilization...

[CreditScoreImprovement24]

So, I used up about 1300/4000 limit (like 33% utilization) on my first cycle of my newly obtained Amex BCP card. 

***Is this good or bad utilization to try and get a 3x CLI after 91 days pass? 

***Is the Blue Cash Preferred likely to get 3x CLI's every 91 days the first year? 

Any other tips to get the 3x CLI?

Thanks!

[mgood]

My utilization has been all over the place. It was high at first because I only had a $1k SL and was trying to hit the SUB, plus making use of the 0% interest.
After about 3 months, when it allowed me to request a CLI, I screwed up. I asked for $9k, which would be 9x. It was denied, with no counter offer. And it wouldn't let me request again for another 3 months

So when another 3 months passed, I waited a few extra days because I wanted some things to report that would make my aggregate utilization look better, and I asked for 3x. Got it. So it's $3k at that point. Still my smallest CL at the time.

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Amex-BCP-3x-CLI/td-p/6793490

91 days later, I asked for $9k, another 3x and got that.

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Another-Amex-3x-CLI/m-p/6806914

91 days after that, today, I asked for $27k, another 3x. I didn't really think they'd give me that much. I was expecting a counter-offer of maybe $18-20k. But they instantly approved my request of $27k, making it my largest CL.

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Amex-BCP-3x-Again/m-p/6819765#M896575

[mgood]

I was at 65% utilization when I got the first CLI from 1k to 3k.

1.6% utilization this morning when I got the bump from 9k to 27k.

Aggregate utilization was in the single-digits throughout this whole time.

[PayAndProsper]

Just go for it. Spend normally, pay your statements in full, and request every 91 days. Here's a link showing the first CLIs I received on my AmEx BCE.

@PayAndProsper   escribió:

I opened my AmEx BCE August 23 with a $2,000 SL, requested and received my first 3x CLI to $6,000 102 days later on December 3, and requested a CLI to $19,000 96 days later on March 8, which was partially approved in the amount of $18,000, another 3x.

---

I got an instant CLI from $18,000 to $35,000 on June 24, 2024 that I do not believe I posted about on the forums. After that, I did not need any more, so I have not requested any more CLIs from them.

All in all, the card went from $2,000 to $35,000 in less than a year with light usage and recently has become my card with the lowest APR amongst all of my major bank-issued credit cards @ 16.99% (Prime + 9.49%).