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Go Amex! Finally, a little luv

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Uncle_Money
Established Contributor

Go Amex! Finally, a little luv

So I've had the American Express Blue Cash card w/ a $4K CL for exacly 1 year this month. Never got any luv. Tried once in the past and was quickly declined.


Today I decided to pull the trigger and ask for an increase via the automated phone system. The computer said it could take requests up to $25K. Since I never had any luck with increasing the line on this card, I figured I wouldn't push my luck. I asked for a total credit line of $12K. Entered my annual income and seconds later was approved for a total CL of $12K!! Best part is, no hard pull on my Experian report! Go Amex!


Question: What would happen if I called and told them I meant to ask for $25K?? Who thinks I should do this? Majority will make my decision..............


Uncle Money

Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500

Message 1 of 10
9 REPLIES 9
tsquad131
Frequent Contributor

Re: Go Amex! Finally, a little luv

i would be prepared for a financial review if you requested that much

amazon
Message 2 of 10
dalebb
Valued Contributor

Re: Go Amex! Finally, a little luv

be happy with what u gotSmiley Surprised

Message 3 of 10
Uncle_Money
Established Contributor

Re: Go Amex! Finally, a little luv

LOL... 0 out of 2 so far ............

Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500

Message 4 of 10
learnin113
Established Contributor

Re: Go Amex! Finally, a little luv

Isnt 3X your current CL the norm and maybe highest?

Message 5 of 10
Creditaddict
Legendary Contributor

Re: Go Amex! Finally, a little luv

yes 3x your current CL every 6 months is max increase at a time. you could open another account though... but I would do it Jan. 1!

Message 6 of 10
boomhower
Valued Contributor

Re: Go Amex! Finally, a little luv


@tsquad131 wrote:

i would be prepared for a financial review if you requested that much


I'd say he's fine.  3x CL for CLI request is commonly accepted practice with Amex.

Message 7 of 10
Red1Blue
Super Contributor

Re: Go Amex! Finally, a little luv

I would wait 6 months and ask for next increase.

Message 8 of 10
birjest
Frequent Contributor

Re: Go Amex! Finally, a little luv

You made me laugh so damn hardSmiley Very Happy   Damn that was funny, BUTTTTT, you would be a candidate for a FR.


5/30/15 EQ 596; TU 605; EX 580.
12/18/17 EQ 646; TU 660; EX 674.
7/30/23 EQ 708; TU 703; EX 721.
Message 9 of 10
Anonymous
Not applicable

Re: Go Amex! Finally, a little luv


@Red1Blue wrote:

I would wait 6 months and ask for next increase.


+1

 

Congrats on the Awesome CLI!!!!

Message 10 of 10
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