Amex FYI for those with low SLs

[Anonymous]

Okay.

I got a low SL with Delta Skymiles this month. But as I was late less than 6 months ago on my Green card, so it was a surprise to get approved at all. I'm just looking for data points: are we assuming the low SL is because of the previous burn and that's causing the CLI requests to be denied?

[Anonymous]

Don't let low limits discourage you when it comes to AMEX.

My BCE started out at $1,000. After a year I got an auto-increase to $8,000. I PC'd my BCE to the Cash Magnet on Friday and then yesterday did the 3XCLI and received $20,000.

The most important thing is to show consistent use and paying on time and AMEX eventually gets greedy and will up your limits so you use their card more.

Good luck to you!

[MakingProgress]

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@Anonymous wrote:
Does this mean he did not try using the AMEX 3XCLI guide one day 61 per the forums?

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Sounds like he is in the Amex version of credit steps.   I doubt you can get a 3x at day 61 in that program. 

[NRB525]

OP thanks for the data. What are DH cards list?
To clarify, is there any past negatives directly with AMEX?

I got a $2k first card in 2013. Have used AMEX consistently on a mix of their cards since then. Over time, the limits will increase, even UncleB got a CLI ( congrats for the patience )

[Jnbmom]

Yes he is in credit steps hence this post.
We included amex in BK 2005.
Fico scores around 695
Available credit 45k
Utilization 8%

[Anonymous]

My 5th statement just cut on Sunday.  My sl was 500 with no sub and no 0% interest period.  My score when I appd was ex 654 I had a couple of late payments about 8 months before I applied. I didn’t get the 3x cli at 61 days even though I only asked for 500.   I’ve run about 750 a month through the card paying twice a month and never leaving a balance since I have gotten it. 

Im interested to see if I get an increase this month or next.  

I think I’m out of their steps program because I applied for the magnet last week and was approved for 5k sl. 

[drboxing]

Thanks so much, this explains why I keep getting denied as well. Thanks again for sharing

[AverageJoesCredit]

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@MakingProgress wrote:

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@Anonymous wrote:
Does this mean he did not try using the AMEX 3XCLI guide one day 61 per the forums?

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Sounds like he is in the Amex version of credit steps.   I doubt you can get a 3x at day 61 in that program. 

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Hard but not impossible . It has been done.

[sdsoccerdad]

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@Anonymous wrote:

Don't let low limits discourage you when it comes to AMEX.

My BCE started out at $1,000. After a year I got an auto-increase to $8,000. I PC'd my BCE to the Cash Magnet on Friday and then yesterday did the 3XCLI and received $20,000.

The most important thing is to show consistent use and paying on time and AMEX eventually gets greedy and will up your limits so you use their card more.

Good luck to you!

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What were your scores when you first got the card and after you received your latest increase?

[Anonymous]

I believe my scores were mid to high 600s when I first got the BCE and my scores were in the 720s when I asked for the CLI that got me 20K. My balance on the card was $0 at the time if that helps 

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@sdsoccerdad wrote:

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@Anonymous wrote:

Don't let low limits discourage you when it comes to AMEX.

My BCE started out at $1,000. After a year I got an auto-increase to $8,000. I PC'd my BCE to the Cash Magnet on Friday and then yesterday did the 3XCLI and received $20,000.

The most important thing is to show consistent use and paying on time and AMEX eventually gets greedy and will up your limits so you use their card more.

Good luck to you!

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What were your scores when you first got the card and after you received your latest increase?

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