Amex Credit Limit Increase Approval Chance With Current Amex Personal Loan

[jcc332006]

Hi All

I'm wondering if anyone had experience of submitting and receiving an Amex credit limit increase while at the same time having a personal Loan present with them. It's been 3 months since my last increase on my BBP but also accepted a 15k Amex loan and have paid it down to only owing 5k on it over that 3 month period. So i'm sitting at around 60% of Amex Personal Loan currently paid back so far. Itching to ask for an increase on another one of my cards with them and was wondering if anyone received an CLI while simeltaneously having a personal loan balance.

Thanks for any feedback!!

[reluctantgarden]

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@jcc332006 wrote:

Hi All

I'm wondering if anyone had experience of submitting and receiving an Amex credit limit increase while at the same time having a personal Loan present with them. It's been 3 months since my last increase on my BBP but also accepted a 15k Amex loan and have paid it down to only owing 5k on it over that 3 month period. So i'm sitting at around 60% of Amex Personal Loan currently paid back so far. Itching to ask for an increase on another one of my cards with them and was wondering if anyone received an CLI while simeltaneously having a personal loan balance.

Thanks for any feedback!!

I've received BBP and BBC CLIs while having a balance on a Business Line of Credit loan, so I think chances are good with a personal loan as well. Never hurts to try with Amex anyway.

[pizzadude]

Moving to Credit Cards for better visibility

Also - agree with the advice above, I don't think having a balance will hurt your chances, and as stated it shouldn't cost you anything to try.

[K-in-Boston]

I just looked at the timelines in the spreadsheet, and Player 2 got a $20,000 CLI on ED with what was a fairly recently opened Amex loan.  That wasn't very recent, but I think it really just depends on your overall profile, and simply having the loan open shouldn't exclude you in and of itself.

[jcc332006]

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@reluctantgarden wrote:

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@jcc332006 wrote:

Hi All

I'm wondering if anyone had experience of submitting and receiving an Amex credit limit increase while at the same time having a personal Loan present with them. It's been 3 months since my last increase on my BBP but also accepted a 15k Amex loan and have paid it down to only owing 5k on it over that 3 month period. So i'm sitting at around 60% of Amex Personal Loan currently paid back so far. Itching to ask for an increase on another one of my cards with them and was wondering if anyone received an CLI while simeltaneously having a personal loan balance.

Thanks for any feedback!!

I've received BBP and BBC CLIs while having a balance on a Business Line of Credit loan, so I think chances are good with a personal loan as well. Never hurts to try with Amex anyway.

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Thanks for the feedback!!

[jcc332006]

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@K-in-Boston wrote:

I just looked at the timelines in the spreadsheet, and Player 2 got a $20,000 CLI on ED with what was a fairly recently opened Amex loan.  That wasn't very recent, but I think it really just depends on your overall profile, and simply having the loan open shouldn't exclude you in and of itself.

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Thank You!

[jcc332006]

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@pizzadude wrote:

Moving to Credit Cards for better visibility

Also - agree with the advice above, I don't think having a balance will hurt your chances, and as stated it shouldn't cost you anything to try.

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Thanks!!

[1st_Prince]

I still have a personal loan from Amex that is set to paid in full by March 2024. I requested a credit limit on my Aspire last October but paid whatever balance on my Amex card before requesting cli just to make sure I will get approved. After the payment posted, Amex gave me a 25K cli on my Aspire. Hope this helps. 

[jcc332006]

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@1st_Prince wrote:

I still have a personal loan from Amex that is set to paid in full by March 2024. I requested a credit limit on my Aspire last October but paid whatever balance on my Amex card before requesting cli just to make sure I will get approved. After the payment posted, Amex gave me a 25K cli on my Aspire. Hope this helps. 

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Thanks for the feedback my friend!!