Amex 3x cli failure

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15 posts
dlgoldamex
Gold Member
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Joined: Mon Apr 30, 2012 4:01 pm
Location: MA

Amex 3x cli failure

Postby dlgoldamex » Tue Mar 19, 2013 7:47 pm

While I was out of the country my card passed the 60 day mark, so today I went online to request my 3x cli. There was no button to be found, so I called the number on the back of my card. I requested $6000 (a full 3x) but the automated system countered $3800. So, I guess this is proof that the 3x cli is not guaranteed even if you always pay in full. I'm assuming that my modest student's income has a lot to do with this, but I still can't really complain! This is still the largest credit limit in my wallet, so I'm happy!
Gold Delta Skymiles -AU- $25k- 4/12
Citi Forward Visa- $6.1k- 8/12
Amex Gold Delta Skymiles- $3.8k- 1/13
BofA Travel Rewards Visa Sig- $5k- 1/13
Amex Blue Cash Everyday- $5k- 7/13
Barclaycard Arrival WEMC- $5k-1/14
Cap One Quicksilver Visa Sig- $10k- 4/15


TheLethargicAge
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Posts: 322
Joined: Tue Oct 16, 2012 11:20 pm
Location: Miami, Cuba

Postby TheLethargicAge » Tue Mar 19, 2013 9:14 pm

You got a 1.9x CLI, that's not bad at all, congratulations!
Blue Cash Preferred ($24K), Costco TrueEarnings ($8K), Better Balance Rewards ($6K), CashForward ($15K), Sallie Mae Rewards ($10K), Quicksilver ($17K), AARP Rewards ($15K), Freedom ($15K), Double Cash ($16.5K), It ($28.5K), Fidelity Investment Rewards ($18K), Cash+ ($11K)

ivotedale
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Website: http://www.ivotedale.tumblr.com/
Location: Mesa, AZ

Postby ivotedale » Tue Mar 19, 2013 11:33 pm

Congrats! Can't wait to go for my 3xCLI via Blue Sky come May.
Currently: American Express Blue Sky, American Express Zync, Chase Freedom Visa, Capital One Newcomers--->converted to Capital One Quicksilver Mastercard NO AF

Barack Obama
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Location: United States

Postby Barack Obama » Wed Mar 20, 2013 4:33 pm

What was your modest student income?

dlgoldamex
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Joined: Mon Apr 30, 2012 4:01 pm
Location: MA

Postby dlgoldamex » Thu Mar 21, 2013 11:43 am

Barack Obama wrote:What was your modest student income?


Let's just say it's under the poverty threshold.
Gold Delta Skymiles -AU- $25k- 4/12
Citi Forward Visa- $6.1k- 8/12
Amex Gold Delta Skymiles- $3.8k- 1/13
BofA Travel Rewards Visa Sig- $5k- 1/13
Amex Blue Cash Everyday- $5k- 7/13
Barclaycard Arrival WEMC- $5k-1/14
Cap One Quicksilver Visa Sig- $10k- 4/15

nady
 
Posts: 1
Joined: Thu Mar 21, 2013 12:22 pm
Location: PA

Postby nady » Thu Mar 21, 2013 12:27 pm

I told the bold step to press the button 2 days ago and I got approved from 10k to 20k. 2x CLI, wasn't brave enough to try 3x. My highest CLI by far. AMEX rocks!

Bksuper
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Posts: 257
Joined: Sun Oct 14, 2012 10:22 pm
Location: California

Postby Bksuper » Fri Mar 22, 2013 1:17 pm

Its an income thing. They want to be sure that you're income is sufficient to meet your obligations and make the new minimum payment of whatever credit line you are requesting were you to max it out. My student income is in the $27k-$30k range (including parent allowance and investment income) and they just approved a 3x increase on my Costco amex from $2k to $6k after only 61 days of having my own account and a year of total CRA history, with no employment and a lifetime spend on my amex of barely $100. So since I had almost everything else working against me (I pay on time/in full, but had low spend, no employment, little history with them or in general), the only real difference is income apparently. Are you including all your income from all sources in your number (what you get for tuition/r&b from parents/relatives if any, financial aid/scholarships if you have them, interest on bank accounts, stock dividends, anything paid for specific services, and employment income, not just salary/wages)?
Sole Ownership Cards:
1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
Citi Forward Student Visa, $6k CL, Open Since 10/2012
Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
Authorized User (Parents Pay/Use)
Costco TrueEarnings Amex $29.4k CL, AU since 11/2012

moxie
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Location: Texas

Postby moxie » Sat Mar 30, 2013 3:56 pm

My 61st day CLI is coming up, but I am worried because I have a very low income due to being a full-time student with only a small extra side job (12K). They had approved me for 2k, so 3xCLI would be 6k, which would be half of my income. Do you think if I request the full 6k it would work? I have been paying in full and on time, and had been using the card very frequently (but always paying it right off to avoid high utilization). This is my 1st card with Amex.

MemberSince99
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Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Sat Mar 30, 2013 5:22 pm

What can it hurt to ask? The worst they can do is decline it.

Jslimm1985
Platinum Member
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Posts: 80
Joined: Wed Sep 05, 2012 8:13 am
Location: Fort Dix, NJ

Postby Jslimm1985 » Wed Apr 03, 2013 2:27 pm

I'm over my 61 Days. I'm carrying a rather high balance so I'm not going to ask for a CLI. Has anyone been approved WHILE carrying a balance before?
Revolvers
Credit Union MC 3/2004 ($6K)
Capital One Platinum 3/2005 ($500) :mad:
Dell Financial Services CC 2/2007 ($2.5K)
USAA Cash Rewards World MC 10/2011 ($9.5K)
AMEX BCE 01/2013 ($10K)

Chargers
AMEX Gold 1/2011(NPSL)

EXP 721 (01/02/2013) Amex
EQU 695 (01/10/2013) PenFed
TU 705 (01/22/2013) MyFico

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