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CLI on Amex BCE

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Anonymous
Not applicable

Re: CLI on Amex BCE


@jpnelly wrote:
Go to profile and preferences and select more options. Under account management there should be an option to manage credit limit. If you are eligible you can request a cli online. That is what i did.

I did:

 

  1. Profiles & Preferences
  2. See More Options (Drop-down Menu) - If you click on P&P, it's definitely under Account Management
  3. Manage Credit Limit
  4. Didn't see it there, just saw: Check BT Status, Check Spending Ability, Check Recent Declines

 

Technically, yesterday was Day 61 for me, technically.

But I had great doubts that I would be able to do it, and wanted to wait a few more days. I'll check this way again in a day or two.

 

 

 

 


 

Message 11 of 21
readyfireaim
New Contributor

Re: CLI on Amex BCE

Does a 3X CLI on an AMEX Card with a 2K limit = ask for 6K more, for a total of 8K?  Or just tripling your 2K limit to 6K?


Starting Scores: EQ 697 (4/3/12) / TU 683 (4/3/12) / EX FICO 643 (3/16/12)
Current Scores: EX FICO 751 (7/25/12 Bellco CU) / EQ 735 (8/1/12) / TU 734 (8/1/12) /
Baddies: One 30 Day Late - Installment Loan (10/2011)
Cards:Costco AMEX $19500, Bellco Platinum Visa $10000, Discover More $9000, Chase Southwest Premier $5000, Delta Gold AMEX $2000, Merrick Bank Visa $1850, Orchard Bank Secured $500, ZYNC
Goal Score: 760+
Message 12 of 21
Anonymous
Not applicable

Re: CLI on Amex BCE

You ask for 6K, triple your current limit amount.

 

Technically, I could ask for 28,500...

Message 13 of 21
OhioCPA
Frequent Contributor

Re: CLI on Amex BCE

I believe the system tells you 3X up to 25K. So while 28.5K wouldn't exceed 3X it would exceed the 25K limit.
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Message 14 of 21
Anonymous
Not applicable

Re: CLI on Amex BCE


@OhioCPA wrote:
I believe the system tells you 3X up to 25K. So while 28.5K wouldn't exceed 3X it would exceed the 25K limit.


I know, hence the technically. I'm only going to ask for 21.5K. Smiley Happy

Message 15 of 21
chiyex
Valued Member

Re: CLI on Amex BCE

goodluck with that. i am abbout to close my amex gold. from no preset limit, they cut me to 3k last yr march. i have been calling every quarter and they wouldnt restore my no preset limit. after a yr they raised by $500. they are stingy with limits and only give half cent per dollar which is the worst reward ever. i never owed but always paid in full. i now have better cards with better rewards and cl. goodbye amex

Message 16 of 21
readyfireaim
New Contributor

Re: CLI on Amex BCE


@Anonymous wrote:

@OhioCPA wrote:
I believe the system tells you 3X up to 25K. So while 28.5K wouldn't exceed 3X it would exceed the 25K limit.


I know, hence the technically. I'm only going to ask for 21.5K. Smiley Happy


Wouldn't asking for 21.5K increase your 9.5K limit to 30K, which exceeds the 25K limit?

 

And to make sure that I understand what to request on my 2K card, I'm going to ask for 6K, which will increase my limit to 8K, right? Are there any tips or strategies related to assuring that you get approved for the 61 day CLI? I'd assume that charging as much as I can sensibly afford and paying that in full each month would be the best idea... and keeping your other accounts in low utilization of course.


Starting Scores: EQ 697 (4/3/12) / TU 683 (4/3/12) / EX FICO 643 (3/16/12)
Current Scores: EX FICO 751 (7/25/12 Bellco CU) / EQ 735 (8/1/12) / TU 734 (8/1/12) /
Baddies: One 30 Day Late - Installment Loan (10/2011)
Cards:Costco AMEX $19500, Bellco Platinum Visa $10000, Discover More $9000, Chase Southwest Premier $5000, Delta Gold AMEX $2000, Merrick Bank Visa $1850, Orchard Bank Secured $500, ZYNC
Goal Score: 760+
Message 17 of 21
Ridbidge
Valued Member

Re: CLI on Amex BCE


@readyfireaim wrote:

@Anonymous wrote:

@OhioCPA wrote:
I believe the system tells you 3X up to 25K. So while 28.5K wouldn't exceed 3X it would exceed the 25K limit.


I know, hence the technically. I'm only going to ask for 21.5K. Smiley Happy


Wouldn't asking for 21.5K increase your 9.5K limit to 30K, which exceeds the 25K limit?

 

And to make sure that I understand what to request on my 2K card, I'm going to ask for 6K, which will increase my limit to 8K, right? Are there any tips or strategies related to assuring that you get approved for the 61 day CLI? I'd assume that charging as much as I can sensibly afford and paying that in full each month would be the best idea... and keeping your other accounts in low utilization of course.


NO... If you have a 2K card you can ask for a total credit line of 6K (an increase of $4000)  6k is 3x your current 2k credit limit, and that is the max.  Do not ask for 8K or you will get denied.

Amex BCP 02/12 $1200/$14700, Citi Forward 2/12 $4800/$7000, Chase Freedom 2/12 $2200/$7000, GECRB/QVC 03/11 $0/$2700, WFCB/HSN 03/11 $0/$2000, Cap 1 NHCR 04/10 $0/$1500, Cap 1/Kohls 11/10 $0/$1000, Citi Simplicity 08/11 $0/$1000, WFNNB/KingSize 11/10 $116/$900, Citi/Sunoco 04/10 $0/$800, Citi/Home Depot 10/11 $0/$1500, SunTrust Auto Loan 11/10 $39,376/$47,914 RECENTLY CLOSED: HSBC/Orchard 04/09 $0/$700, HSBC/BBRZMC 04/11 $0/$500...

**HAPPILY GOING INTO THE GARDEN NOW FOR YEARS!** EX FICO 773 02/27 Amex Pull/ TU myFICO 798 02/29 / EQ myFico 778 02/29
Message 18 of 21
Anonymous
Not applicable

Re: CLI on Amex BCE


@Ridbidge wrote:

@readyfireaim wrote:

@Anonymous wrote:

@OhioCPA wrote:
I believe the system tells you 3X up to 25K. So while 28.5K wouldn't exceed 3X it would exceed the 25K limit.


I know, hence the technically. I'm only going to ask for 21.5K. Smiley Happy


Wouldn't asking for 21.5K increase your 9.5K limit to 30K, which exceeds the 25K limit?

 

And to make sure that I understand what to request on my 2K card, I'm going to ask for 6K, which will increase my limit to 8K, right? Are there any tips or strategies related to assuring that you get approved for the 61 day CLI? I'd assume that charging as much as I can sensibly afford and paying that in full each month would be the best idea... and keeping your other accounts in low utilization of course.


NO... If you have a 2K card you can ask for a total credit line of 6K (an increase of $4000)  6k is 3x your current 2k credit limit, and that is the max.  Do not ask for 8K or you will get denied.

 

+1


 

Message 19 of 21
searchingfor67
Established Contributor

Re: CLI on Amex BCE


@Ridbidge wrote:

@readyfireaim wrote:

@Anonymous wrote:

@OhioCPA wrote:
I believe the system tells you 3X up to 25K. So while 28.5K wouldn't exceed 3X it would exceed the 25K limit.


I know, hence the technically. I'm only going to ask for 21.5K. Smiley Happy


Wouldn't asking for 21.5K increase your 9.5K limit to 30K, which exceeds the 25K limit?

 

And to make sure that I understand what to request on my 2K card, I'm going to ask for 6K, which will increase my limit to 8K, right? Are there any tips or strategies related to assuring that you get approved for the 61 day CLI? I'd assume that charging as much as I can sensibly afford and paying that in full each month would be the best idea... and keeping your other accounts in low utilization of course.


NO... If you have a 2K card you can ask for a total credit line of 6K (an increase of $4000)  6k is 3x your current 2k credit limit, and that is the max.  Do not ask for 8K or you will get denied.


Have you had any issues with getting cli's with Amex due to the number of your tradelines?

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K
Message 20 of 21
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