Amex cli with balance

[Shiu]

Thanks for your post! 

I recently got the AMEX Everyday card and was wondering the same thing about carrying a balance. 

Congrats on the CLI!

[Fico2Go]

Just thought I'd revive this two month old thread with a personal update. 

A month ago I requested a SP AMEX CLI and was denied ( received 7-10 day message ) due to request was under 6 months from most recent increase.  It said 7-10 days but email was received within a minutes for status.    

Tonight I tried 3X CLI again.  I believe I'm close to the 6 month mark.. but may be off by a few days.  In any case I was denied ( 7-14 day ) message. 

I am currently carrying a balance at 0% interest at about 90% of CL.   Let's hope  a final decision is coming soon.   I hope my recent cancellation of the PRG didn't send AMEX the wrong message. 

[Anonymous]

Just wondering what the outcome was on your CLI request. I am fully taking advantage my 0%APR on my Blue Cash Everyday for a kitchen remodel. I would love to ask for a CLI just wondering if I would be rejected. I have been making regular payments well over the minimum oftentimes twice in a month. Haven't been able to find the answer anywhere going through the forums. I have a 15,000 CL and I am using about 13,000 of it at this time. 

[taxi818]

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@Anonymous wrote:

Just wondering what the outcome was on your CLI request. I am fully taking advantage my 0%APR on my Blue Cash Everyday for a kitchen remodel. I would love to ask for a CLI just wondering if I would be rejected. I have been making regular payments well over the minimum oftentimes twice in a month. Haven't been able to find the answer anywhere going through the forums. I have a 15,000 CL and I am using about 13,000 of it at this time. 

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Well this is one of my Old Threads. at the time. i did get the full 3x increase. but my usage was low. im not sure with that kind of utilization. what would be your overall utilization on all your cards?. my be a hard sell to amex. but i could be wrong.  what is the minimum if you don't mind me asking. on a $13.000 balance. you would have come off better. getting a lowes or Home Depot card. which would also offer 0%. but they give massive limits. now. most are asking for $35-50k.

[Anonymous]

I have a freedom card with 5000 and a US bank cash back visa with 13500 that I don't use. I wasn't aware that you could use lowes or home depot elseware. We didn't buy any of our larger purchases at those stores. I'm new to this whole amex world and having multiple cards deal.

[Anonymous]

Thanks for taking the chance and letting us see what happens.  

[Anonymous]

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@Anonymous wrote:
I got both my BSP CLIs with a balance showing.

$1,000/$5,000 when CLI to $7,000

$2,200/$7,000 when CLI to $12,000

Hope that helps...

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Thanks for the info. I'm going on my last 3xcli on July 12th.  Going to put about 2-2.5k on it & pif before last statement cuts.  I have a balance on a Venture & BofA.  Don't want to take a chance.   I'm going to ask for 24 and settle for 18.

[merlinflex]

I did CLI request this morning, and was approved! Going from $10K to $25K on my BCE with about $800 and change on the card

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[steel_string]

A couple of years ago, I had my BC at 6438/6600. I had just finished college and hadn't gotten my first paycheck from the large aerospace company I work for now. My slate was at $0 and I had just gotten my Wells Fargo store card for some furniture. That was at about 5850/7200. Picked up a Kohls card around then that stayed around 0/1000. Amex auto-cli'd me for times at 90 day intervals as soon as I stayed paying a few hundred a month. I was in the high 80s, I believe, on the amex card when the first cli hit. I recently did a manual cli from 11.6k to 25k with utilization at 32% on the amex and the Wells card at around 47% (chase still at 0 and I hadn't applied for the others yet).

Amex seems more concerned with the direction your balances are moving in, how large your payments have been, and how long you've been keeping them paid on time than on your current balance.

[Anonymous]

I went ahead and requested a CLI from 15k to 24k and I got a message saying to try again in 24 hours. Then I get an email saying that they were finished reviewing my request and to click here to see the decision. The link takes me to an american express website and asks for my social security number and zip code. Seems a bit on the shady side so I think I will call customer service just to be safe.