cancel
Showing results for 
Search instead for 
Did you mean: 

Why does Amex give me revolvers but not CLIs?

tag
Gmood1
Super Contributor

Re: Why does Amex give me revolvers but not CLIs?

Yup I believe Steelers nailed it. Give it 90 days before requesting another. Your Amex apps are so close I believe it's eaten up your CLIs.
Message 11 of 12
NRB525
Super Contributor

Re: Why does Amex give me revolvers but not CLIs?


@mkhan1093 wrote:

My income lies in the $70k regime, so I'd think I'm deserving of a limit more of $2k total. It makes staying at SPG properties a pain because the stay can never exceed $1000; only some places let me split between SPG and my CSR. Anyway, I guess I'll just try to up my usage and see if I have success in the future. I'm still confused though why they're willing to give me more credit in the form of a new account but won't give me the same money in the form of a CLI.


If you want an AMEX CLI, you need to change your mindset from “I want to optimize my FICO score”

 

When you stay at an SPG hotel, put the charges on the SPG card, even if it goes over the limit. You are going to pay it with the statement anyway, and if your results are like mine, you may get an auto CLI anyway, when you push the existing limit. 

 

If if they have issues with allowing the charges, use the other card for the balance. 

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 12 of 12
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.