Does the AMEX x3 CLI Method Work for Cards Not Issued by American Express?

[Anonymous]

Does anyone have data regarding the AMEX x3 CLI and non Ameican Express issed cards?  I assume PenFed, WF, USAA, etc all have their own unique CLI underwriting, but was hoping for some data on this...  Should I ask for x3 at 91 days? Thanks

[simplynoir]

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@Anonymous wrote:

Does anyone have data regarding the AMEX x3 CLI and non Ameican Express issed cards?  I assume PenFed, WF, USAA, etc all have their own unique CLI underwriting, but was hoping for some data on this...  Should I ask for x3 at 91 days? Thanks

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Those cards mentioned simply use the payment network. They are not issued directly by AMEX therefore follow the issuer's rules with regards to CLIs.

[Girlzilla88]

Also be sure to ask which ones do a HP when requesting a CLI because some will do an Auto-CLI on their own without you having to do a HP

[Anonymous]

I had assumed that to be the case, but really hoped the answer was otherwise...  THanks