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Amex FYI for those with low SLs

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Jnbmom
Credit Mentor

Amex FYI for those with low SLs

Just an FYI for those that started out with low limits. My hubby has had his card since 12/17, always denied for CLI. 

 

Today we contacted them as his fifth statement cut and still no increase. I mentioned the welcome email that stated the "steps" in which he would get an increase. I honestly don't remember this email, but apparently it was in fact the case. 

 

They researched and stated he did meet one requirement,  you must use the card all five months consecutively.  Yes our bad we apparently didn't use the card in February.  The CSR tried to say he only used it in March and May which was completely false as I had all his statemen's pulled up on my tablet!!!! She said well I don't see that what???. His cellphone started billing in March, we got gas in January and yes missed Feb which is completely our fault.

 

So this is just a heads up to anyone make sure you use card every month, even if it's for a coffee or gum. Lesson learned 😯

EXP 780 EQ 796 TU 810
Message 1 of 25
24 REPLIES 24
tcbofade
Super Contributor

Re: Amex FYI for those with low SLs

Thank you for sharing...  DW is in a similar relationship with Amex and we're not terribly impressed.

 

She's still got some zero percent intro time left, but it's paid off and sock drawered... I doubt it will get much more use. 

Fico 8 06/01/26: EX 791, EQ 819, TU 808.
Fico 9: EX 812 04/15/25, EQ 804 04/08/25, TU 792 02/15/25.

Zero percent financing is where the devil lives...
Message 2 of 25
Jnbmom
Credit Mentor

Re: Amex FYI for those with low SLs

Yes we have not been impressed much eitherSmiley Sad. He has a hilton 1000SL as well and that is  in .SD, so I know we aren't seeing an increase there😕

EXP 780 EQ 796 TU 810
Message 3 of 25
UncleB
Credit Mentor

Re: Amex FYI for those with low SLs

Don't give up completely... for the last three years I've been stating how I could only get auto-CLIs from Amex, but just a few days back they approved my first ever user-requested CLI.  It was modest (I only asked for $2500 since I was "sure" it would be declined anyway) but I'm finally out of the doghouse.  Smiley Happy

 

Keeping in mind that my own card started out with a $1000 limit I'm proof that they can grow, even if you burned them in the past (not saying that's the case here, but it was with me).  It might take pumping some usage through it and a little patience, though.

Message 4 of 25
Jnbmom
Credit Mentor

Re: Amex FYI for those with low SLs


@UncleB wrote:

Don't give up completely... for the last three years I've been stating how I could only get auto-CLIs from Amex, but just a few days back they approved my first ever user-requested CLI.  It was modest (I only asked for $2500 since I was "sure" it would be declined anyway) but I'm finally out of the doghouse.  Smiley Happy

 

Keeping in mind that my own card started out with a $1000 limit I'm proof that they can grow, even if you burned them in the past (not saying that's the case here, but it was with me).  It might take pumping some usage through it and a little patience, though.



Thanks @UncleB. Yes we did burn them 13 years ago so I am completely happy we got back in, it just sometimes frustrating how the CSR handles things, I have 2 very recent experiences and was not impressed.

 

I know I have be patient but sometimes like to vent 😉

EXP 780 EQ 796 TU 810
Message 5 of 25
Anonymous
Not applicable

Re: Amex FYI for those with low SLs

Does this mean he did not try using the AMEX 3XCLI guide one day 61 per the forums?
Message 6 of 25
Jnbmom
Credit Mentor

Re: Amex FYI for those with low SLs


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

Denied at 61 and denied at 181.

EXP 780 EQ 796 TU 810
Message 7 of 25
UncleB
Credit Mentor

Re: Amex FYI for those with low SLs


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

For those of us (like myself) with negative past history with Amex the stuff in the 3X guide often doesn't apply.

Message 8 of 25
Jnbmom
Credit Mentor

Re: Amex FYI for those with low SLs


@UncleB wrote:

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

For those of us (like myself) with negative past history with Amex the stuff in the 3X guide often doesn't apply.


Oh yes this happened to both of ours. That is not always a gimme 

EXP 780 EQ 796 TU 810
Message 9 of 25
AverageJoesCredit
Legendary Contributor

Re: Amex FYI for those with low SLs

I've only gotten 1 3x. The rest have been like 1x lolSmiley Wink
Message 10 of 25
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