Auto Amex CLI - I don't like it!

[Anonymous]

I just hit my six month anniversary with my Amex Blue Cash and they upped my CL from 11K to 12.5K. I was planning on waiting a month, my FICO is going to go up about 10-20 points I suspecct, before asking for a total CL of 15K or 16K.

Does this auto CLI hurt my chances of asking? Do I have to wait another six months??? Has this happened to anyone else? I'm assuming I might not have to wait since I didn't request the CLI. Thoughts? 

[Anonymous]

The Auto CLI does not DQ you from requesting one.

I would have to say you should wait a bit though-

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Pj1369 wrote:

I just hit my six month anniversary with my Amex Blue Cash and they upped my CL from 11K to 12.5K. I was planning on waiting a month, my FICO is going to go up about 10-20 points I suspecct, before asking for a total CL of 15K or 16K.

Does this auto CLI hurt my chances of asking? Do I have to wait another six months??? Has this happened to anyone else? I'm assuming I might not have to wait since I didn't request the CLI. Thoughts? 

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[MidnightVoice]

That is an average annual increase of nearly 25%, and they will have looked at your EX CR a few times.  I would wait until the first anniversary rolls along and see what they do then

[Anonymous]

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MidnightVoice wrote:

That is an average annual increase of nearly 25%, and they will have looked at your EX CR a few times.  I would wait until the first anniversary rolls along and see what they do then

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Wait for my first year aniversary? Errrhh -- this stinks. You make sense, but I use this card so much and was hoping for a little bit more....however, am I required to wait another six months before reusting a CLI since the auto or simply walking a fine f/r line by requesting one at this point?

[MidnightVoice]

I think you can ask for one today.

But looking at it from the CCCs point of view - they have just studied your financial situation and given you a deserved increase.  What has happened since then to make them give you more? 

I just wish my salary would go up over 11% every 6 months 

[Anonymous]

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MidnightVoice wrote:

 What has happened since then to make them give you more? 

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Good question. I think that's my problem with the auto cli and my seemingly decreased opportuntiy to ask for an additional CLI. My income has gone up significantly, I got a 15% pay raise and my util has down from 22% to 11% recently, but still not fully reporting (they don't know those two facts). Hence, I wanted to wait one more month before asking for a 4K CL.

Hehe---I know, I know...I'm being abnoxious!

I think the reason they give me the CLI was due to my new CLs on my other CCs...they are all at 15K, but one, which is at 12.5K.

[MidnightVoice]

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Pj1369 wrote:

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MidnightVoice wrote:

 What has happened since then to make them give you more? 

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Good question. I think that's my problem with the auto cli and my seemingly decreased opportuntiy to ask for an additional CLI. My income has gone up significantly, I got a 15% pay raise and my util has down from 22% to 11% recently, but still not fully reporting (they don't know those two facts). Hence, I wanted to wait one more month before asking for a 4K CL.

Hehe---I know, I know...I'm being abnoxious!

I think the reason they give me the CLI was due to my new CLs on my other CCs...they are all at 15K, but one, which is at 12.5K.

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I have had a promotion and a increase in EX score of over 50 points since I got my Amex.  But I am not expecting much on my 6 month anniversary,

And I am afraid that I can't put any more money through my cards than I do already 

[Anonymous]

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MidnightVoice wrote:

I have had a promotion and a increase in EX score of over 50 points since I got my Amex.  But I am not expecting much on my 6 month anniversary,

And I am afraid that I can't put any more money through my cards than I do already 

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That stinks...I hope you get pleasantly suprised! On another note, I never realized Amex does auto clis...I don't often hear about them!

[MidnightVoice]

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Pj1369 wrote:

 On another note, I never realized Amex does auto clis...I don't often hear about them!

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I think they occur at one tenth the rate of auto FRs 

[smallfry]

I've never even had an AMEX card but from what I have heard they do not use current tax year info. While you might have more income now it might not mean much. Some people swear by this company but I don't want the hassle of having to deal with denied charges and financial reviews. I got my review when I opened Penfed. After the fact seems a little wacky to me.