People are reporting success getting large increases instantly approved (like from 500 to 24,900), getting large CL instantly approved (34-35k). The only information asked is the CL you'd like to have and household income. Applies both to personal and business AMEX Cards (business cards also require business revenue).
The increases also available to new accounts (some report 3 days since receiving the card). Side benefit to getting high LOC on new cards - any promo offer running would be much more lucrative. This includes 0% for purchases only, as the current AMEX BT offers have no fee and offer the same rate as for purchases (but one would need to clarify if the standard or promotional purchase rate would apply for BTs).
Reasons to increase LOC include increasing your total available credit and therefore decreasing utilization, improving your credit score; also taking advantage of any BT offers; plus having large credit lines showing on your credit report may induce other issuers into giving you higher lines as well, which may be useful to futher lower your utilization and for consolidation during future app-o-ramas.
Problems people have been having. Decision is not instant (7-10 days) and yet to be made known, decision to decline the request. In the case of non-instant decision some report the CLI going through as confirmed by the phone CLI line call, as well as seeing the requested increase online at a later date.
Why this is not for the faint-hearted: DREADED AMEX FINANCIAL REVIEW (FR). Definitely do not do CLI if you can't afford to lose ALL your AMEX accounts (members have reported such negative actions in other threads). Most definitely do not supply income figures you can not substantiate - not only this would certainly result in losing all your AMEX accounts if you get FR, but also supplying false information on application for credit (and that is what it is) is a FELONY in some states.
Why do so many people ask for 24,900 credit lines? Well, some who requested more have been reporting getting approvals to $25k, but further approval was contingent on supplying tax return and other asset information (and perhaps resulting in FR and closure of accounts if requested documents are not provided).
If you do decide to take a plunge, do review this thread as well as AMEX FR thread (linked in this thread), and please play responsibly
Q: How would one know online the account(s) was under Financial Review? A: According to fotomaniac, "When you login it says 'Charging privileges suspended.' "
Another rule seems to be - if you carry a balance, you can only increase your CL up to $6,000. You can do this every month.
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posted: Feb. 3, 2007 @ 7:54a
Please let us know if you get the FR. Your household income isn't something like $million a month is it?
Senior Member - 10K
posted: Feb. 3, 2007 @ 7:56a
nope i just told you what it was 149K household. no need to lie.
i think if you ask for 25K or more you have to provide optionally 2 years tax or decline.
no hards were pulled (i just checked my 3 in 1)
Senior Member - 1K
posted: Feb. 3, 2007 @ 7:58a
Well, last night I put through a Starwood AMEX CLI. I went from $17,000 to $30,000 with instant approval.
posted: Feb. 3, 2007 @ 7:59a
I got 34K with no docs provided and household income of less than 30K. This was several months ago and not a peep from AMEX. I also have 3 other cards with lower limits (around $2k each) and a Plat charge card.
posted: Feb. 3, 2007 @ 8:30a
rigor, apologies, I don't know why I'm awake this early on a Saturday.
Darn, it looks like AMEX is giving away free money! I'm off to request my share.
Senior Member - 1K
posted: Feb. 3, 2007 @ 9:30a
Thanks, Rigor. I'm not an AOR gamer who is concerned about utilization, but I decided to followup on your advice for the heck of it. I just obtained an increase in the CL on AMEX Blue Cash from $25K to $30K. I probably should have asked for more. It would appear that the AMEX mainframe is in a giving mood these days...........
posted: Feb. 3, 2007 @ 9:32a
Sweet. My Costco AMEX went from 20k to 30k. I've had it for about 16 months now, starting with 2k initially.
posted: Feb. 3, 2007 @ 9:33a
I just did this primarily for entertainment. My Blue went from $10K to $24,900 immediately.
Senior Member - 3K
posted: Feb. 3, 2007 @ 9:53a
I got mine bumped yesterday to 24000. from 15000, cards 6mo old started at 2k limit. Has had 7 increases. Ive also in that time pushed more money through it then most will buy in a year
posted: Feb. 3, 2007 @ 9:59a
same here. 24,900 no problem....as a note i had a call for a financial review in december...went on a trip and didnt recieve the call till i got back. they called me before i sent any papers in saying there was a mistake an no financial review...any one else get this?
posted: Feb. 3, 2007 @ 10:56a
Thanks too bad I had already consolidated some old AMEX cards on to one. Should help for a May AOR
Senior Member - 3K
posted: Feb. 3, 2007 @ 10:59a
Same here, I got a total of 40K increases on 4 AMEXs I have.
posted: Feb. 3, 2007 @ 11:14a
My bf requested an increase in Dec on his HHonors AMEX, which was capped at 24k. They denied it at the time, but he got a letter in the mail yesterday saying it had been bumped to 31k for "responsible credit." He's had the card three years, and has been technically (tax wise) unemployed for five months. The card has a minimal balance right now. Gotta love AMEX.
Wow. Something weird is going on! I had requested a CLI a few weeks ago (when I had just received the card) and AM3X required financial verification for the CLI (but not an FR). Today (just 1 billing statement later) requested from 31k to 35k and instantly approved.
posted: Feb. 3, 2007 @ 2:41p
5k to 17k, 50k income. Not bad for a card I haven't touched in years.
Senior Member - 1K
posted: Feb. 3, 2007 @ 3:13p
(although I kinda feel like I just bought a $99 xBox 360 from Home Depot and now I'm waiting to see if they'll ship it or send a cancel email...)
posted: Feb. 3, 2007 @ 3:27p
Wow that was easy! Almost insane! Got 24,900 within seconds. Thanks OP!
posted: Feb. 3, 2007 @ 3:54p
Last CLI I did for my AMEX was back in Nov. Seeing all the instant approvals for quite high limits I decided to give it a go. 15K to 30K, with income at 110K.
posted: Feb. 3, 2007 @ 4:00p
Wow, $10,500 to $32,500 on Starwood. Too bad I only have 1 AMEX w/ a CL right now.
posted: Feb. 3, 2007 @ 4:03p
I only did $3k to $6k on my old Blue Student but that's double what it used to be, lol. Can't do it on my Blue Cash since it says I already have one CLI in the last 30days.
posted: Feb. 3, 2007 @ 4:21p
24,900 on my blue card instantly. thanks for the heads up rigor!
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