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Submitted CLI for my g/f's AMEX Starwood.

Old CL: $12,000
Requested CL: $25,000
Stated income: $37,500

Instantly approved to $25k. It's a new card - opened in October '06. I thought it would give us counter offer - but it approved instantly, so why not. Correct income was stated - in case FR is triggered.

any updates on whether they did a hard pull???

Technologist said: [Q]any updates on whether they did a hard pull???
My online CLI from 2 weeks ago came without a hard pull.

This system is a little too generous.

11/14: I got bumped from $2K to $8K (requested $20K) on my Hilton Honors card.

I waited the 30 days to use the form again.

12/15: I requested $25K and got it -- should have gone for more, but I didn't expect to get it given the smaller increase from last time. I also have negative history with AMEX from about a year ago, so double surprise.

And if you want details:
At the time of the bump from $2K to $8K, I had a $1,700 BT riding on a promo rate. Since the last CLI, I BTd again for a total of $7,200 and subsequently paid it off with a better BT offer. My reported CC debt has also been cut in half in the last month (from $24K to $11K) and BoFA also started reporting the new limits on $25K and $10K cards which were bumped by online CLIs, as well. I am especially surprised because I have negative payment history with AMEX from when I was in school about a year ago. I had an account closed due to lateness and paid it off in full in exchange for having the account removed from my credit reports. AMEX has denied me a card in the last 6 months based on payment history with them. I was happy just to get the Hilton Honors card a few months ago. Now I have a $25K card. I just didn't expect that, so I'm happier than I normally would be. <img src="i/expressions/face-icon-small-happy.gif" border=0>

My stated/actual/provable income is $145K/year.

Should I immediately go for broke and make at $22,000 BT? <img src="i/expressions/face-icon-small-wink.gif" border=0> I think a credit analyst's head would explode...

Had a two month old SPG card with a 2k limit. Requested 12k and got instant approval.

Hum,

I have a blue with 18,600. I'd like to request 25,000. Should I go for it? I do not want a hard pull though.

So why does everyone want the increase? Because if they don't do a hard pull, increasing your CL could help your credit score? Is that a valid thought? Thanks.

mac911 said: [Q]Hum,

I have a blue with 18,600. I'd like to request 25,000. Should I go for it? I do not want a hard pull though.

So why does everyone want the increase? Because if they don't do a hard pull, increasing your CL could help your credit score? Is that a valid thought? Thanks.
Why not go for $40K? They will counteroffer if they can't meet your request, so go for broke. I had an $8K limit and asked for $25K and got it -- I regret not asking for more. Just make VERY sure you can document the annual income you state in case they review you.

So far, no one has reported a hard pull. I've done it twice in the last 32 days and both were soft pulls. Highers limits tend to increase your credit scores because they lower your credit utilization percentages.

mespin said: [Q]mac911 said: [Q]Hum,

I have a blue with 18,600. I'd like to request 25,000. Should I go for it? I do not want a hard pull though.

So why does everyone want the increase? Because if they don't do a hard pull, increasing your CL could help your credit score? Is that a valid thought? Thanks.
Why not go for $40K? They will counteroffer if they can't meet your request, so go for broke. I had an $8K limit and asked for $25K and got it -- I regret not asking for more. Just make VERY sure you can document the annual income you state in case they review you.

So far, no one has reported a hard pull. I've done it twice in the last 32 days and both were soft pulls. Highers limits tend to increase your credit scores because they lower your credit utilization percentages.

As sithlordabe has stated: You will most likely need to supply financial docs if you ask for over $25k.

Mikul said: [Q]As sithlordabe has stated: You will most likely need to supply financial docs if you ask for over $25k.
The thread is split between people that needed to supply docs and people that did not when they went over $25K. People get FR'd with credit increases to less than $25K, too, for that matter, and need to supply docs. If you only use provable income, worst case you fax them some docs and get your limit. If you don't want to send docs, you get instantly approved for $25K then you don't follow up and forfeit the increase above $25K. Although, I suppose if you want to fly under the radar, you can limit yourself to $25K.

Mikul and mespin -

Ok, I split between you guys. I was tempted to ask for $30,000 so I did. Instantly approved, so do you think I'm safe? Do they ever ask for the docs later, or does it usually come up they could only approve $25,000 right away?

I was at 18,600, so the jump to 30,000 isn't really that big. It was Blue had it for 2 years now, but I only use it for a life transfer that is on it of about 8000. When it's paid in about a year, I'll start using it. Put income at own personal (normally I put household but to be safe put personal on this one) a bit above 60.

Pretty nice to increase my available credit for credit scores and whatnot. I just hope I don't have to do a FR. I mean, I could back it up no problem, but it would be a pain and worry.

And I hope I don't get a hard pull too. Think I'm ok?

I also a bit later got the email that they are processing it, but everyone says they get that right? Even when they are approved immediately like me? Thanks.

I hope I used the correct form... I didn't see a link to it or a description on where to find it, I found one under the account services page. Had $15,900, requested $24,900 on SPG AMEX with $147k stated income and $270k CL's between DW and I. Got this message:
Request a Line of Credit Increase
Your request for a line of credit increase has been submitted.
You will receive a written response within 7-10 days.

Submitted CLI for AMEX Blue

Old CL: 11,800
Requested CL: 30,000
Stated Income: 55k

Instantly approved.

NukeMedDude said: [Q]mahroos said: [Q]A FR is really NOT that bad.
Simply fax in Tax Returns and with in one week cards are reactivated. Yes, this was the "real" FR. As long as you have all the documents, it's nothing to even worry about.

The problem is I get the feeling from reading about F/R's here and over at creditboards that people are putting down income (household or otherwise) that they can't provide documentation for. If you are honest in your application, then you have nothing to worry about.

I put household on apps, and a FR would be bad because I'm not going to go to the people in my household and ask for their tax returns. I find the CLI system to be rather strange, but I guess it's not an error if it's still functioning this way. I just hope they aren't sucking people into FR's.

Blue
Initial limit - $11 100
Used new form and asked for $20 000
Approved Instantly.

Card history - 1 year.
Started at $2000 , denied increase request on approval.

30 days later, and every 30 days since clicked old luv button.

2000 -> 2800 -> 3200 -> 5400 -> 6100 -> 11 100 (Stayed here for 5 months.)
Then form - 20 000


THEY DID NOT PULL HARD.

Last month requested AMEX Blue from 6500 to 25k, instantly approved no inquiry.
This month, requested again after 30 days, from 25k to 35k, income stated at 40k, instantly approved no inquiry.

Did the same for my fiance, went from 7k to 15k last month, 15k to 25k this month, stated income 30k, no inquiries!

I wanted to request 50k...maybe next month <img src="i/expressions/face-icon-small-smile.gif" border=0>

I jsut got another increase, i feel i should be shooting higher, exactly 30days ago got an increase to 8100, today im at 15k. I also had a nice 7k payment go through last night + a credit which brings me a few $100 credit balance.

Instant 20K to 35K.

Now my highest CL, but I have slightly more total credit on three cards with Chase.

mac911 said: [Q]Hum,

I have a blue with 18,600. I'd like to request 25,000. Should I go for it? I do not want a hard pull though.

So why does everyone want the increase? Because if they don't do a hard pull, increasing your CL could help your credit score? Is that a valid thought? Thanks.

Nah, I'm just interested in the warm fuzzy feeling from being validated as a substantial primate by an automated computer system. None of the other monkeys here have AMEX, much less with 15k credit lines. Heck there's really only a few with secured Visas and they'd never have figured it out how to get them without my help.

NukeMedDude said: [Q]mahroos said: [Q]A FR is really NOT that bad.
Simply fax in Tax Returns and with in one week cards are reactivated. Yes, this was the "real" FR. As long as you have all the documents, it's nothing to even worry about.

The problem is I get the feeling from reading about F/R's here and over at creditboards that people are putting down income (household or otherwise) that they can't provide documentation for. If you are honest in your application, then you have nothing to worry about.

You assume being honest = being able to prove your income, or being willing to do so. That is not always correct, there are people who for personal reasons (many of which aren't because of drug dealing or being a hit man, etc) prefer to or cannot 'prove' their income and has nothing to do with being 'dishonest' on the application. Your conclusion is a logical fallacy. Sounds good, isn't true.

Is everyone going with 25k/card or 25k total credit?

I have a Blue, TrueEarnings, and SPG. Total credit line currently of 29.6k - 1k on blue (Don't use this card), 7k on TrueEarnings (Resturants only) and 21.6k on SPG (everyday spend). I've been through 3 FR with AMEX, all during the same month because I had 22k revolving in a balance transfer + was using my SPG to flip a house. They just asked what my income was and what my job was. I answered truthfully each time and got through it, but it was annoying.

I was thinking of using the CLI form to ask for higher limits, but I don't want to trigger another FR at the moment because I'm starting a new job in January, and therefore can't prove my income for next year (substantially more than this year) if they ask.

Any suggestions?

WalStMonky said: [Q]NukeMedDude said: [Q]mahroos said: [Q]A FR is really NOT that bad.
Simply fax in Tax Returns and with in one week cards are reactivated. Yes, this was the "real" FR. As long as you have all the documents, it's nothing to even worry about.

The problem is I get the feeling from reading about F/R's here and over at creditboards that people are putting down income (household or otherwise) that they can't provide documentation for. If you are honest in your application, then you have nothing to worry about.

You assume being honest = being able to prove your income, or being willing to do so. That is not always correct, there are people who for personal reasons (many of which aren't because of drug dealing or being a hit man, etc) prefer to or cannot 'prove' their income and has nothing to do with being 'dishonest' on the application. Your conclusion is a logical fallacy. Sounds good, isn't true.

If you can provide documentation, then put whatever you want. If you can't, then don't. Don't put an income you can't back up with paperwork, then complain when you get an F/R. BTW, if you read verbatim what I said, I said I have a feeling. I didn't spout off anything illogical. I don't assume anything. I just know that people go a little overboard sometimes.

You said what you said, and I reiterate what I said. It is a logical fallacy to conclude that if one can't 'provide documentation' of one's income that one is dishonest. If you wish to withdraw that statement that's fine, but you said it, and as a statement of fact, not a 'feeling'.

I have a person Blue card with a $3800 limit. I just tried to cli on the web and got increased to $45,000!!! wtf!!! That is pretty insane

Have been following this thread but since I only got my card a couple of months ago have not tried. Finally gave it a shot and maybe I asked for too much? Got my card with a $50k limit with sending in docs, I asked for that $50k and probably should have asked for more then. Now I tried to bump card up to $100k and got this, Will give it a shot and send in what they want


Request a Line of Credit Increase

Your request for a line of credit increase requires income verification.

Please fax or mail the required documents listed below to Specialized Correspondence within 30 days from today. Make sure to include your account number on the documents.


--------------------------------------------------------------------------------

Next Steps:
Fax or mail the following documents
1. Complete copies of your past two years signed personal tax returns.

If your total line of credit request is greater than $75,000 then also send:

2. A copy of your most recent checking, savings, money market, and brokerage account statements showing average monthly balance.
3. A copy of your most recent IRA or other retirement account(s).


Fax to. Mail to.
1-801-945-7977 Specialized Correspondence

P.O.Box 30347
Salt Lake City , UT





Just for fun I tried a CLI from 7k to 50k with ~90K annual income expecting a counter-offer.

Instead I got this:

"Request a Line of Credit Increase
Your request for a line of credit increase has been submitted.
You will receive a written response within 7-10 days."

Looks like I just earned a hard pull. <img src="i/expressions/face-icon-small-sad.gif" border=0>

Thanks OP!

Request a Line of Credit Increase

Congratulations!
Your request to increase your line of credit to $25,000 has been approved and will be available for use within 15 minutes.


--

P.S. Does AMEX require Financial Records for anything more(25K)?

Started Costco AMEX 09/05 $3K

machintos said: [Q]AMEX Blue:
original CL: $22,700
Requested: $28,000
Approved.

AMEX Rebate card
original CL: $1,000 (I reallocated the CL to my blue card)
Requested: $4,000
Approved.

I just requested the CL on my rebate card to be increased to $10,000.
Approved.

Just tried to go from 18,000 to 30,000 on my Delta Sky Miles.

Instant Approval.

ponhoss said: [Q]Thanks OP!

Request a Line of Credit Increase

Congratulations!
Your request to increase your line of credit to $25,000 has been approved and will be available for use within 15 minutes.


--

P.S. Does AMEX require Financial Records for anything more(25K)?

Started Costco AMEX 09/05 $3K


I was approved for 35,000 without any documents.

ponhoss said: [Q]

P.S. Does AMEX require Financial Records for anything more(25K)?

Started Costco AMEX 09/05 $3K
Here's what I got,

1. Complete copies of your past two years signed personal tax returns.

If your total line of credit request is greater than $75,000 then also send:

2. A copy of your most recent checking, savings, money market, and brokerage account statements showing average monthly balance.
3. A copy of your most recent IRA or other retirement account(s).

I guess AmE>< better start sponsoring this thread <img src="i/expressions/face-icon-small-tongue.gif" border=0>

went for broke and may have gotten broken

AMEX SPG 25,000
AMEX Hilton 15,000
Total available credit, all issuers: 158,000. Total balance, all issures: 3000
Reported HHI: 250,000

on the SPG, I asked for 75,000. Just for kicks.

I got:

Request a Line of Credit Increase

Your request for a line of credit increase has been submitted.
You will receive a written response within 7-10 days.

Sounds like a hard pull? I have a fraud alert on my account, and wasn't planning on any AORs soon, so I guess it doesn't matter. Will update.


Yes I can confirm that message results in a hard pull (Experian). I haven't heard back yet. I'm curious if they will deny outright or give me some sort of increase.

I did not experience any hard pulls the two times I've done it since they revealed this new CL increase form. I am currently at $35k, with stated actual income of $45k. I am going to try and do $50k, with same stated actual income this upcoming month.

I did this again. This is my second time. I went from 6K - 15K and now 15K to 30K.

Fun!

got reply: increase from 25,000 to 35,000. frankly, I think that is lame on HHI 250k. Total AMEX CL now 50k - maybe there's some magic there? I have not been an active user of either AMEX card - barely charged anything in the last 6 months.

I got a instant increase on my AMEX blue from $3800 to $30000 last week. Earlier today when i checked it said i had a $30,000 limit. I check again right now and it is back to $3800. I have a Business Platinum Card linked to this one and Spend about $10-13,000 per month. Even though I know business cards dont apply towards personal credit, maybe that is why I got such a large increase on a card never used ?? Either way, looks like they revoked my increase on my personal card. Should I go for a CLI again ? let it go ? or call CS ??

Update:: System was updating. my limit is back. False alarm

I've had an AMEX Rewards Gold Card for about 6 months now. I received an invitation in the mail to apply for the AMEX Blue Card with a 0% APR for 6 months, 3.99% BT for life of loan & 15,000 Membership Rewards Points (providing I make 3 purchases within 3 months). I completed the application online 12/28/06 and requested a $10,000 BT. The system then stated I was approved for $10,000 CL. I was concerned about the BT showing my CL at 100% utilization.

Within a week, I received the card in the mail. The BT still had not been processed. I immediately made an online bill payment of $10. After the payment posted, I then made 3 small paypal charges ($1 each). This should get me the 15,000 Membership Rewards Points without having to pay interest on the charges.

After reading the posts here, on 1/14/07, I went to the AMEX web site and requested a CLI of $10,000 (Stated Income $90k) and was approved immediately. My new CL is $20,000 and I haven't even received my 1st statement yet. I'm happy now that my CL will only show 50% utilization due to the BT instead of 100%!!!

AMEX had to cut a paper check to my credit union because the CU didn't show up in their system to EFT the money to them. Interesting thing is my credit union cashed the BT check last week but AMEX still hasn't charged it to my account yet.

Thanks for the tips!

I've used that form every month for 3 months now (4 times in all)...

On the 3 times I got we will notify blah blah...but CLI was instant and available as soon as I got back to the Account Summary page.

On the last time, I got instant approval. I submitted and came back with Approved.

The only difference b/w the first 3 and the last one is that I did not have any balance on the card on the last time. Statement balance was 0. Earlier I used to pay after the statement came out...this time I paid it before it came out.

Not that it made a difference.



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