3x CLI

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ScoreOnTheRise
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3x CLI

Postby ScoreOnTheRise » Wed Aug 19, 2015 7:46 pm

I've read here and there on these forums about Amex giving a 3x CLI on the 61-day mark.

1. Is this still a thing?
2. Is it auto or do you have to request it? If so, should I call after the second statement cycles? Is there a window on this that closes soon after the 61-day mark?
3. I opened at $10K, so I assume if I were to be considered for the full $30K increase this would require a FR?
4. The pull is a soft one, right?

Does anyone know what types of things might work against me on my CR? Since opening this account I have a new mortgage, a new auto loan and two other new cards reporting as well as all of the inquiries that led to this. There are about 8 inquiries for the auto loan itself as the dealer shopped around my app to multiple lenders.
American Express PRG [NPSL]
Chase Sapphire Preferred [$25K]
American Express BCE [$20K]
Discover it [$18.5K]
Barclaycard Arrival World MC [$6K]
Citi Diamond Preferred MC [$4K]
Citi Home Depot Consumer Credit Card [$3K]
Citi Best Buy Visa [$2K]


takeshi
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Re: 3x CLI

Postby takeshi » Thu Aug 20, 2015 8:09 am

Suggested this on the other site but Google "3x CLI".

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ScoreOnTheRise
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Re: 3x CLI

Postby ScoreOnTheRise » Fri Aug 21, 2015 4:23 pm

takeshi wrote:Suggested this on the other site but Google "3x CLI".


Yup
American Express PRG [NPSL]
Chase Sapphire Preferred [$25K]
American Express BCE [$20K]
Discover it [$18.5K]
Barclaycard Arrival World MC [$6K]
Citi Diamond Preferred MC [$4K]
Citi Home Depot Consumer Credit Card [$3K]
Citi Best Buy Visa [$2K]

Vermonster
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Re: 3x CLI

Postby Vermonster » Fri Aug 21, 2015 9:49 pm

ScoreOnTheRise wrote:1. Is this still a thing?
2. Is it auto or do you have to request it? If so, should I call after the second statement cycles? Is there a window on this that closes soon after the 61-day mark?
3. I opened at $10K, so I assume if I were to be considered for the full $30K increase this would require a FR?
4. The pull is a soft one, right?


1. Yes
3. You have to request it any time after the 61 day mark.
3. Anything over $25k will result in FR, so ask for $25k and they will most likely auto-counter.
4. It is based off your most recent soft pull. If you have access to an Experian full report it will show you when Amex last did a soft pull.
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

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CarefulBuilder14
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Re: 3x CLI

Postby CarefulBuilder14 » Fri Aug 21, 2015 10:05 pm

Vermonster wrote:
ScoreOnTheRise wrote:1. Is this still a thing?
2. Is it auto or do you have to request it? If so, should I call after the second statement cycles? Is there a window on this that closes soon after the 61-day mark?
3. I opened at $10K, so I assume if I were to be considered for the full $30K increase this would require a FR?
4. The pull is a soft one, right?


1. Yes
3. You have to request it any time after the 61 day mark.
3. Anything over $25k will result in FR, so ask for $25k and they will most likely auto-counter.
4. It is based off your most recent soft pull. If you have access to an Experian full report it will show you when Amex last did a soft pull.

2. You can ask for the first one at any time. 61 days is the old rule. I think you still have to wait 6 months between one CLI and another, though. I don't know about the rules when CLIs on multiple Amex cards are involved.
3. Anecdotally, the probability of Amex wanting some extra information/documentation rises at $25k. Not all requests for extra information are the same (as far as what they need, and whether they interrupt your spending).

OP, are you just getting big CLs for the sake of it? Are you financing some big purchase? BCE is not really geared towards heavy spending from a rewards standpoint.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when



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