Amex CLI policy after the initial 61 days

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432521
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Amex CLI policy after the initial 61 days

Postby 432521 » Sat Aug 24, 2013 11:03 am

Does anyone know how long you have to wait before you can request another CLI after the initial 61 days? Meaning if my 61 days was yesterday and I requested an CLI and got approved would I need to wait 6 months before I can request another one? Also are CLI requests with amex hard pulls or soft pulls? When looking at my Amex account I see the little option to request under the More account options page, but I didn't really notice if it was still there after I made my first request a couple of months ago or if it disappeared and just came back.
March 2011- Wellsfargo Cash Back College Card
May 2012- Chase Freedom
May 2012- Discover IT
August 2012- American Express Blue Cash Everyday


takeshi
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Postby takeshi » Sat Aug 24, 2013 5:09 pm

Google the 3X CLI thread.

ksy
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Postby ksy » Mon Aug 26, 2013 1:31 pm

I believe you are correct 6 mo. And Soft for CLI

Luxe
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Postby Luxe » Sun Sep 15, 2013 8:53 pm

The Amex system will grant a CLI only every 6 months even though you can request one more frequently than that. The CSRs will happily ask for your income and submit a request for you but I've only heard of automatic declines saying to wait until 6 months since the last CLI.

Depending on why you want the CLI you might not need one. You can actually rack up a balance past your CLI - so in my case Amex CSR said I was authorized $2k over my official limit. But it's the official limit that is reported to the credit bureaus which determines your utilization ratio and what other banks see when you're applying for a card.



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