cancel
Showing results for 
Search instead for 
Did you mean: 

Amex EDP CLI question

tag
Jaylima91
Established Contributor

Amex EDP CLI question

So my first 180day cli on my EDP is right around the corner (11/05) and I want to increase the CL substantially. I have a CL of $3k but I have almost $70k total CL across just 3 other cards that I have. My question is, should I request more than the 3x? I really don't want to go to $9k CL on that card. I wanted to ask for $15k. Will they counter it or just blatantly deny me? Any insight will help me in this situation. Thanks guys
Message 1 of 8
7 REPLIES 7
NRB525
Super Contributor

Re: Amex EDP CLI question

Did you read the AMEX 3X CLI thread?

They won't give you more than 3x. You might ask for it, but they won't give it to you.

 

If it's your first 180 day CLI, that implies this card started at $1k, then went to $3k? Going to $15k now may be pushing it anyhow. Just an observation. Are you maxing the $3k already today, charging up to $2,500 then PIF?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 2 of 8
Jaylima91
Established Contributor

Re: Amex EDP CLI question

Occasionally I am getting to $2k. Mainly using it for small charges and PIF. The card started at $1k and immediately asked for 3x upon activation. So nobody has ever requested more than 3x and been approved?
Message 3 of 8
Jaylima91
Established Contributor

Re: Amex EDP CLI question

And you answered my question NRB525. I can ask for more than 3x but they won't approve more than that.
Message 4 of 8
NRB525
Super Contributor

Re: Amex EDP CLI question


@Jaylima91 wrote:
Occasionally I am getting to $2k. Mainly using it for small charges and PIF. The card started at $1k and immediately asked for 3x upon activation. So nobody has ever requested more than 3x and been approved?

Go for $9k. It'll be plenty of limit and you can be happy you have a card that lets you go from a $1k limit to $9k in a matter of 7 months.

You're already winning compared to other CCC CLI possibilities Smiley Happy

 

If you want more to do, more games to play with your AMEX, ask them for an APR reduction.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 5 of 8
Jaylima91
Established Contributor

Re: Amex EDP CLI question

Thank you NRB. Will do. Smiley Happy
Message 6 of 8
Anonymous
Not applicable

Re: Amex EDP CLI question

Is that your only AmEx? If you have another that's 13 statements old, you can move some CL and then 3x for more (that's what I did for my EDP). 

Message 7 of 8
Jaylima91
Established Contributor

Re: Amex EDP CLI question

That's my only revolver. My other 2 Amex products are charge cards
Message 8 of 8
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.