AMEX CLI

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
11 posts
432521
Centurion Member
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Joined: Thu Apr 26, 2012 3:15 pm
Location: USA

AMEX CLI

Postby 432521 » Fri Mar 29, 2013 10:25 am

So I have had my card for about 8 months now and decided to pull the trigger on a CLI. Went through the process and I started out with 2K, I only asked for 5K not the full 6K cause i didn't want to push my luck, and I got pretty darn close. I got the dredded pending message, I am not sure if this was because I applied at like 12 am local time and this type of thing gets reviewed by humans? I was pretty sure I got decliened for anything, but got an email this morning to check status and it says pending so i am like "well that means no" was about to call the number but decided to check my account online first and bam I see my new available credit as 4,800. Only a 200 dollar difference from what I wanted.

Question, I wasn't really thinking about this when I did it but was my request a hard pull or a soft pull? It doesn't really matter to me but if it was a softie then Yayyy.
March 2011- Wellsfargo Cash Back College Card
May 2012- Chase Freedom
May 2012- Discover IT
August 2012- American Express Blue Cash Everyday


Robrus1
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Posts: 797
Joined: Tue Oct 02, 2012 3:25 pm
Location: Texas

Postby Robrus1 » Fri Mar 29, 2013 12:15 pm

I'm pretty sure it's a soft pull. Congrats on the CLI!
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K

lexrj
Centurion Member
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Joined: Fri Sep 14, 2012 12:59 pm
Location: San Diego

Postby lexrj » Fri Mar 29, 2013 1:40 pm

Why didn't you go for the full 3x? I don't see a reason why not, its a soft pull and if they counter isn't going to make any difference....just my 2 cents
---------------------------------------
Current in my Wallet
Amex BCP - 25K (02/12)
Barclaycard Arrival WMC - 15K (10/13)

Future
US Bank Cash +

Socks drawer
Crap One Quicksilver - 1.7K (04/11)
CSP - 15K (03/13)

Scores
FICO EX 772 / TU 765 / EQ 762 - (09/14)
AAoA 2.1

vrijburger
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Location: New York City, NY

Postby vrijburger » Fri Mar 29, 2013 4:05 pm

I phoned Amex yesterday for an increase from 4k to 10k on my BCE. Instantly approved. I should have asked for more. They seem to be pretty good over the phone. I hesitate when making requests online because there is often a delay and you usually have to end up either writing a secure message or picking up the phone anyway.

432521
Centurion Member
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Posts: 379
Joined: Thu Apr 26, 2012 3:15 pm
Location: USA

Postby 432521 » Fri Mar 29, 2013 6:08 pm

lexrj wrote:Why didn't you go for the full 3x? I don't see a reason why not, its a soft pull and if they counter isn't going to make any difference....just my 2 cents


Like I said I didn't want to push my luck. Through the lifetime of my card I have max pushed 200 through it so I didn't see any reason to ask for so much. There is always time to ask for more in 6 months. I am not hurting with my modest student income I believe my CLs for all my cards are good enough.
March 2011- Wellsfargo Cash Back College Card
May 2012- Chase Freedom
May 2012- Discover IT
August 2012- American Express Blue Cash Everyday

ncosky290
Centurion Member
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Joined: Tue Feb 12, 2013 7:37 pm
Location: Minneapolis

Postby ncosky290 » Sat Mar 30, 2013 10:18 am

I will be asking for my 60 day CLI in a few weeks. Should I do it over the phone or the online system?

Nick*
-AMERICAN EXPRESS DELTA GOLD SKYMILES - AMERICAN EXPRESS EVERYDAY -AMERICAN EXPRESS PLATINUM - CITI DOUBLE CASH - CITI PLATINUM AADVANTAGE - CITI THANK YOU PREFERRED - BARCLAYCARD ARRIVAL PLUS - DISCOVER IT - CHASE SAPPHIRE PREFERRED-

selfmadetool
Gold Member
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Joined: Tue Mar 26, 2013 9:36 pm
Location: New York

Postby selfmadetool » Sat Mar 30, 2013 11:44 am

ncosky290 wrote:I will be asking for my 60 day CLI in a few weeks. Should I do it over the phone or the online system?


I prefer online. There are no follow up questions, and I don't feel so bad if I'm declined.
Bank of America: BankAmericard Cash Rewards ($10k); Accelerated Cash Rewards ($12k)
Chase: Freedom ($2.6k); Amazon.com Rewards ($5k)
American Express: Blue Card Everyday ($14k)
Citibank: Forward ($7k); ThankYou ($10.5k)
Discover: More ($14.5k)
Barclaycard US: Barclaycard Ring ($9.4k)
GECRB: Banana Republic ($4.5k); Amazon.com Store Card ($10k)
Comenity: J. Crew ($3.6k)

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

Postby Bksuper » Sat Mar 30, 2013 1:09 pm

432521 wrote:Like I said I didn't want to push my luck. Through the lifetime of my card I have max pushed 200 through it so I didn't see any reason to ask for so much. There is always time to ask for more in 6 months. I am not hurting with my modest student income I believe my CLs for all my cards are good enough.

Next time I would suggest being a little more bold. I got my full 3x increase from 2k to 6k approved after the 61 days not 8 months with only a year of total CRA history, and if you request higher, and they counter down, there is still nothing to lose. I had only put about $100 through the card at the time. I don't think it matters if you do it over the phone or online in terms of approval, just convenience, unless you're under 21 like I am, which means you need to do it online do to the CARD act.
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

432521
Centurion Member
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Posts: 379
Joined: Thu Apr 26, 2012 3:15 pm
Location: USA

Postby 432521 » Mon Sep 30, 2013 9:47 am

It has been 6 months and I just requested another CLI and got approved to 6000, it is a good day :)
March 2011- Wellsfargo Cash Back College Card
May 2012- Chase Freedom
May 2012- Discover IT
August 2012- American Express Blue Cash Everyday

ivotedale
Centurion Member
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Joined: Sun Jul 17, 2011 11:47 am
Website: http://www.ivotedale.tumblr.com/
Location: Mesa, AZ

Postby ivotedale » Mon Sep 30, 2013 2:45 pm

Nice @432521 - my next 6mo. CLI is due next month- would it be asinine to request $24k from $8k (3x your current limit, right)? Worst case is a counter offer, which is was last time $4k->$8k, but requested $12k.
Currently: American Express Blue Sky, American Express Zync, Chase Freedom Visa, Capital One Newcomers--->converted to Capital One Quicksilver Mastercard NO AF



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