Am I in the clear?

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
7 posts
Robrus1
Centurion Member
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Posts: 797
Joined: Tue Oct 02, 2012 3:25 pm
Location: Texas

Am I in the clear?

Postby Robrus1 » Sat Jan 26, 2013 8:16 am

Yesterday I decided to ask for a CLI online for my Amex Blue, and was instantly approved for the 3x I asked for. I went from 5K to 15K, which I'm really excited about. It's now my highest limit card. I've heard of people asking for CLIs from Amex and then being notified that they are under the dreaded FR. Since I was instantly approved, is it safe to assume that they won't be FRing me? Would they have already contacted me or not approved the CLI if that was going to happen?
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


MemberSince99
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Posts: 4728
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Sat Jan 26, 2013 8:30 am

Congrats on the great CLI!

Amex is a funny bird, even if you are in the clear NOW, as you know, that could change for reasons unknown to you at any time. I would not worry about it as long as your credit is in order (and of course you didn't lie on your application with them). Live your life. If you have to live it in fear of F/R from them, well is ANY company worth that?

kcarter609
Centurion Member
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Posts: 423
Joined: Thu Aug 09, 2012 7:54 am
Location: VA

Postby kcarter609 » Sat Jan 26, 2013 10:05 am

Robrus1 wrote:Yesterday I decided to ask for a CLI online for my Amex Blue, and was instantly approved for the 3x I asked for. I went from 5K to 15K, which I'm really excited about. It's now my highest limit card. I've heard of people asking for CLIs from Amex and then being notified that they are under the dreaded FR. Since I was instantly approved, is it safe to assume that they won't be FRing me? Would they have already contacted me or not approved the CLI if that was going to happen?


Congrats. What's your income if you don't mind me asking?

Active Cards:
Chase Freedom 10+10 Visa Signature ($9k Limit - 8/2012)
Chase Sapphire Preferred ($10k Limit - 2/2013)
Chase Ink Plus ($7k Limit - 2/2013)
Discover IT ($9.5k Limit - 10/2012)
AMEX Zync (No Pre-set Limit - 1/2010)
AMEX Blue Cash Everyday ($20k Limit - 1/2013 - Backdate to 1/2010)


CC Deville
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Posts: 1021
Joined: Thu Aug 04, 2011 7:07 pm
Location: Phoenix

Postby CC Deville » Sat Jan 26, 2013 10:31 am

From what I have read, the FR usually comes after you think you are in the clear. But going from $5K to $15K likely will not even show up on their radar. Go out and charge up at Apple Store, Walmart, Target etc with your new increase right away and they might want to take a closer look.

FR's are really overblown in these forums. As long as you have not fibbed on the application/CLI request you have nothing to worry about.

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

Postby Robrus1 » Sat Jan 26, 2013 10:38 am

I put down $52K, but it's just a little higher. When I applied for my PRG back in April over the phone, the CSR asked me if I had investment/retirement accounts and wanted to know how much I had total, so I told her. I have a considerable amount invested through an investment firm and some more in a 401K, so I'm not sure if that is taken into consideration when apping for stuff.
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

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

Postby Robrus1 » Sat Jan 26, 2013 10:55 am

CC Deville wrote:From what I have read, the FR usually comes after you think you are in the clear. But going from $5K to $15K likely will not even show up on their radar. Go out and charge up at Apple Store, Walmart, Target etc with your new increase right away and they might want to take a closer look.

FR's are really overblown in these forums. As long as you have not fibbed on the application/CLI request you have nothing to worry about.


My Blue Card is at a zero balance and I have no intention of using it anytime soon. I just did it for utilization.
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

CC Deville
Centurion Member
Centurion Member
 
Posts: 1021
Joined: Thu Aug 04, 2011 7:07 pm
Location: Phoenix

Postby CC Deville » Sat Jan 26, 2013 11:56 am

Robrus1 wrote:My Blue Card is at a zero balance and I have no intention of using it anytime soon. I just did it for utilization.


Yeah, I don't think you have anything to worry about. People are constantly doing the 3x CLI's with AMEX with no issues.

Congrats on your increase!



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