This is very helpful! I just requested for a 3x CLI then I got approved 5x of my initial CL (requested CLI on 60th day since approval of the card). Thanks!!
@@reddwitdreadz after 4 months i went from 1k to 3k n just last week to 9k. It finally gave me the option to increase my limit. It wasn’t automatic i had to request it.
@@kylechristen6652 Yes it was. As of Jan Im at 15k credit limit. Started with 1k then got 3k followed by 9k. Requested 27k only got 15k. So i guess the 3x doesn’t always work. Its fine I’m ok with that.
I would say AMEX Platinum is better than Capital one Venture card. 100k points when you spend $6k within 6 months and $1,500 in perks, 5x points for every dollar spent on airfare and hotel. But the downside? That damn $695 annual fee… sheesh... but as a traveler myself, its an awesome card! P.S- the card is made of metal so thats pretty cool 😎
So glad I watched this because I got some information from you that other tubers never mentioned, like that form if you're requesting over a 25K limit. Much thanks.
Credit line increase isn’t a option on the website or app. I have a 2 year account blue cash card. I checked the website and app is not available as a option. I called customer service earlier today. The rep told me credit line increases can only be done over the phone. She said it would be a hard pull as well.
I've gotten credit limit increases recently online. Also, I have my credit frozen soI don't get hard pulls for credit limit increases from Amex, Capitol One, Navy Federal, nor Discover. All high dollar. I've even gotten a new credit card with Amex as recently as yesterday without removing the credit freeze. Amex doesn't do hard pulls to open new cards if you have an established account.
I request from $7,600 to $15,000 which made my total credit limits with Amex come to $34,600. I may or may not be approved for more increase if I tried, but I really wanna keep the total credit limit with Amex under $35,000 which is the amount that a lot people are mentioning that triggers the financial review.
I got the EveryDay card with a $1000 and at 95 days and went from $1000 to $3000, and a few days later, I saw I was eligible for another one and went to $7500. I opened up a Blue Business Plus card and was eligible for $2000. I also went and applied for the Cash Magnet and got $1000 and sent $3200 to the Magnet the same day I was approved from the EveryDay and now I have $4200 total on the Magnet and $4300 total on the EveryDay and $2000 on the Blue Business Plus. Altogether $10,500 across all 3 CREDIT cards on Amex and not still including my personal Green card that on that one has $4000 spending limit. I'm good asking for credit limit increases anytime soon anyway.
No but to be sure, you should always freeze your credit with each bureau first. Freezing your credit is also a great way to prevent people from getting credit in your name without you knowing it. It takes 2 minutes.
Man its crazy how you find info after you've learned it the hard way... I got annoyed waiting over these past 2 years slowly bumping up my credit limit every 6 months so I said screw it I'll start looking at travel cards, got approved for 3 cards in the past month. On the plus side I've at least doubled my total limit, on the downside now I have 3 more cards.
should've waited lol. Have to be patient with these type of things. I waited 4 months with Navy federal before getting their premiere card the flagship. I built a relationship with them and I got a 25k limit. I just got an Amex gold letter in the mail. Soon as I hit 800 credit score they send me this. I'm goin to wait before I get one though. I'm debating on Platinum or Gold though.
I unfortunately have a balance on my AMEX and I requested a credit limit increase but was declined because they said I wasn’t making large enough payments. Yet I made at least the minimum payment or rounded up
Tried after 62 days. It said :You are not eligible to request a Credit Limit increase on this account because you recently opened an account with us. Please try again at a later date."
I have a question that I didn't see mentioned in this video or maybe I missed it... When you request the increase should your balance be at zero meaning should the whole card be paid off?
Hey I got approved for the Amex blue cash preferred last week I got 35k do you think this 3x will work for this card in 90+ days without triggering a financial review?
I am curious. Does this also apply to other banks, credit card issuers? Also I like your idea of opening a new Card then you can transfer credit limit between your cards
I just did it yesterday 7-7-22... yes the button did disappear in the web portal...i went to the APP ...tapped the chat button ontop right corner of app...den a chat with a bot begins... u hit "request credit increase", then it sends u a link. Click the link n continue. Simply n easy.
@@Tsircrd The request Credit Limit Increase button FINALLY appeared for me somewhere between the 3 and 4 month mark. Not the 60 like I’ve been hearing about. So I was able to request it at that time and I did get my credit limit tripled. Of course the button is gone again now. Lol I guess because I’m not eligible for another increase right now but this is good info to know just in case I want to go for another increase in the future and there’s no button. Thanks!
Great info. I recently was approved for the Blue Cash Preferred for 1000 bucks. I was happy for the approval as I been in the process of rebuilding my credit. Question, should I wait the 61 days to apply for another card or try it sooner?
Hi! New subscriber here! I wanted to ask how long after requesting a limit increase (already approved) can I apply for a new Amex card?? Also I wanted to know the “best order” to do it since my dad has already been with Amex for a while and now wants another but he wants to request the 3x limit increase on his card. Thanks in advance!
Hi John, is it harder to obtain a credit limit increase the second time around? I had my first 3x increase after 6 months of having the Gold. Im waiting another 6 months for another increase, hoping another 3x. But is it harder than the first increase?
@@micahgreene4573 yeah there is, here in Canada. I got approved only for $1500 for the first time with the GOLD then i managed to do the 3x increase to $4500 after 6 months. Then 6 months after that it was a little harder but I got approved for a 2x increase to $9k. My platinum however works equally the same as the states. "no limit" but I was told my an agent when I called that it has a $50k limit that could change depending on how I use the card and history. Overall, in Canada we dont get as much perks and value when it comes to both the Gold and Platinum. We dont have the 4x for food/groceries that the Gold gets in the States, we also dont get the uber credits. Making the Gold and Platinum one of the lower tier cards when it comes to value (IN CANADA)
Never call banks for a increase if results in a a hard you should always apply for a increase through your mobile app which is a soft pull everytime no credit check
Not true. Have a 721 score which increased from the 698 when I got the card and they turned me down for a credit limit increase. Always pay bill in full.
You looked horrible. Only 3x, you already looked terrible then what about 4X, I cannot watch that. Stop that ridiculous face! Only credit limit increase, no big deal?!
![[Full Guide] How to Climb the American Express Ladder in 2024](http://i.ytimg.com/vi/g5PdY-Kcduw/mqdefault.jpg)
This is very helpful! I just requested for a 3x CLI then I got approved 5x of my initial CL (requested CLI on 60th day since approval of the card). Thanks!!
Thank you I just increased my credit limit 3 times with Amex 😀
Personal card or Business card? Did you request a cli on Amex’s website? Credit line increase a hard pull or soft pull?
Going on 3 months with my Amex cash preferred. No option on App, Called in and they said not available at the moment. 🤷🏻♂️
I have the Blue Cash preferred as well, were you ever able to get an increase? Or was it automatic? Appreciate you in advance
@@reddwitdreadz after 4 months i went from 1k to 3k n just last week to 9k. It finally gave me the option to increase my limit. It wasn’t automatic i had to request it.
@@allendiaz662 finally! Congratulations, ok I’ll wait 4 months; Thanks bro
@@allendiaz662 Was it a soft pull for the credit limit increase requests?
@@kylechristen6652 Yes it was. As of Jan Im at 15k credit limit. Started with 1k then got 3k followed by 9k. Requested 27k only got 15k. So i guess the 3x doesn’t always work. Its fine I’m ok with that.
I would say AMEX Platinum is better than Capital one Venture card. 100k points when you spend $6k within 6 months and $1,500 in perks, 5x points for every dollar spent on airfare and hotel. But the downside? That damn $695 annual fee… sheesh... but as a traveler myself, its an awesome card!
P.S- the card is made of metal so thats pretty cool 😎
Can you really use all of the $1500 in perks though. Bet not. That sh*t is not useful. The Gold card is more beneficial.
So glad I watched this because I got some information from you that other tubers never mentioned, like that form if you're requesting over a 25K limit. Much thanks.
Besides a financial review, every card issuer usually has a max of credit for that card that they will allow anyway as well as a minimum
It's over 30k for one card which could trigger a financial review. I think over 35k on all cards.
When from 5k to 15k 🙌🏽🔥
Credit line increase isn’t a option on the website or app. I have a 2 year account blue cash card. I checked the website and app is not available as a option. I called customer service earlier today. The rep told me credit line increases can only be done over the phone. She said it would be a hard pull as well.
I've gotten credit limit increases recently online. Also, I have my credit frozen soI don't get hard pulls for credit limit increases from Amex, Capitol One, Navy Federal, nor Discover. All high dollar. I've even gotten a new credit card with Amex as recently as yesterday without removing the credit freeze. Amex doesn't do hard pulls to open new cards if you have an established account.
@@michellejean-baptiste Hello, where did you go online to request the CLI? Did you send a message? Thanks 😊
Your awesome! Thanks for the tips! You're on point! True facts!🤗
I request from $7,600 to $15,000 which made my total credit limits with Amex come to $34,600. I may or may not be approved for more increase if I tried, but I really wanna keep the total credit limit with Amex under $35,000 which is the amount that a lot people are mentioning that triggers the financial review.
As long as you didn’t lie about your income or stretch the truth out too much about it then you’ll be fine if they ask you for financial review.
Yes they will
I got the EveryDay card with a $1000 and at 95 days and went from $1000 to $3000, and a few days later, I saw I was eligible for another one and went to $7500. I opened up a Blue Business Plus card and was eligible for $2000. I also went and applied for the Cash Magnet and got $1000 and sent $3200 to the Magnet the same day I was approved from the EveryDay and now I have $4200 total on the Magnet and $4300 total on the EveryDay and $2000 on the Blue Business Plus. Altogether $10,500 across all 3 CREDIT cards on Amex and not still including my personal Green card that on that one has $4000 spending limit. I'm good asking for credit limit increases anytime soon anyway.
I subscribed because I find you very smart. Keep up soon you will have a million+ subscribers
Amex did a hard pull when raising my limit from $13k to $23k
This morning
Blue Cash Preferred Card
Applying for another Amex card when you already have one doesn't do a hard pull?
No but to be sure, you should always freeze your credit with each bureau first. Freezing your credit is also a great way to prevent people from getting credit in your name without you knowing it. It takes 2 minutes.
I've been at $30K for about 2years on one card, I'm scared to ask for more. I can prove my income, I just don't want the hassle.
It's just uploading a document. Don't let that hold you back.
@@abthadonbeatz Maybe I will, thx
“The best way to increase your credit limit is… to incur a hard inquiry” lol
Man its crazy how you find info after you've learned it the hard way...
I got annoyed waiting over these past 2 years slowly bumping up my credit limit every 6 months so I said screw it I'll start looking at travel cards, got approved for 3 cards in the past month. On the plus side I've at least doubled my total limit, on the downside now I have 3 more cards.
should've waited lol. Have to be patient with these type of things. I waited 4 months with Navy federal before getting their premiere card the flagship. I built a relationship with them and I got a 25k limit. I just got an Amex gold letter in the mail. Soon as I hit 800 credit score they send me this. I'm goin to wait before I get one though. I'm debating on Platinum or Gold though.
it worked on my gold card.. thank you...
Got a platinum back in feb and about 2 months after they added a credit limit of 5K for some reason ?
I unfortunately have a balance on my AMEX and I requested a credit limit increase but was declined because they said I wasn’t making large enough payments. Yet I made at least the minimum payment or rounded up
Always pay in full or close to zero to show you have used some credit, low utilization is important
@@merlinparache1681 I was able to get a Credit Limit in increase on a different card. I did a balance transfer so now my Amex has a Zero Balance.
It is actually 91 days. So basically a day after you hit 3 months
Tried after 62 days. It said :You are not eligible to request a Credit Limit increase on this account because you recently opened an account with us. Please try again at a later date."
Very helpful, thank you
I have a question that I didn't see mentioned in this video or maybe I missed it... When you request the increase should your balance be at zero meaning should the whole card be paid off?
I just tried to increase my limit I have a 1000 limit and requested 3000
But they said there going to mail me a letter
Failllll
Is it Amex charge card have 0 credit limit on credit report?
Credit limit on charge cards don't allow but your balance at the statement date does
Does this apply to business cards too?
Hey I got approved for the Amex blue cash preferred last week I got 35k do you think this 3x will work for this card in 90+ days without triggering a financial review?
I would go for 45K
I am curious. Does this also apply to other banks, credit card issuers? Also I like your idea of opening a new Card then you can transfer credit limit between your cards
does it apply 0apr?
I have the Amex Blue Cash everyday card and have had it for two years. I asked and still did not get it.
Does the 35k cap before a financial review only applies to Amex credit cards and not charge cards correct?
does anyone notice this button disappear from the web portal?
Yes I don’t have that option to request an increase.
I just did it yesterday 7-7-22... yes the button did disappear in the web portal...i went to the APP ...tapped the chat button ontop right corner of app...den a chat with a bot begins... u hit "request credit increase", then it sends u a link. Click the link n continue. Simply n easy.
@@Tsircrd The request Credit Limit Increase button FINALLY appeared for me somewhere between the 3 and 4 month mark. Not the 60 like I’ve been hearing about. So I was able to request it at that time and I did get my credit limit tripled. Of course the button is gone again now. Lol I guess because I’m not eligible for another increase right now but this is good info to know just in case I want to go for another increase in the future and there’s no button. Thanks!
John, if you get a AMX gold card how does this affect your credit limit if there is no limit?
It’s effects your payment history. It has nothing to do with your limit because there is no limit😌
I just got an increase last month ? How long should I wait in between ?
Amex let’s you request every 90 days.
Great info. I recently was approved for the Blue Cash Preferred for 1000 bucks. I was happy for the approval as I been in the process of rebuilding my credit. Question, should I wait the 61 days to apply for another card or try it sooner?
This is actually very helpful thank you so much for this🙏🏾
Hi! New subscriber here! I wanted to ask how long after requesting a limit increase (already approved) can I apply for a new Amex card?? Also I wanted to know the “best order” to do it since my dad has already been with Amex for a while and now wants another but he wants to request the 3x limit increase on his card.
Thanks in advance!
I wasn't eligible for a CLI and was able to get another card. I'm still under 90 days with them
Hi John, is it harder to obtain a credit limit increase the second time around? I had my first 3x increase after 6 months of having the Gold. Im waiting another 6 months for another increase, hoping another 3x. But is it harder than the first increase?
There are no hard limits on Gold
@@micahgreene4573 yeah there is, here in Canada. I got approved only for $1500 for the first time with the GOLD then i managed to do the 3x increase to $4500 after 6 months. Then 6 months after that it was a little harder but I got approved for a 2x increase to $9k. My platinum however works equally the same as the states. "no limit" but I was told my an agent when I called that it has a $50k limit that could change depending on how I use the card and history. Overall, in Canada we dont get as much perks and value when it comes to both the Gold and Platinum. We dont have the 4x for food/groceries that the Gold gets in the States, we also dont get the uber credits. Making the Gold and Platinum one of the lower tier cards when it comes to value (IN CANADA)
EVery time I call Amex for credit increase they tell me it is a hard credit check I called times within a year.
Never call banks for a increase if results in a a hard you should always apply for a increase through your mobile app which is a soft pull everytime no credit check
Can I request an increase even if they gave me an increase a couple of months ago WITHOUT ME ASKING
I am learning I am not a patient person. 61 days seems to be taking forever! LOL
What if I got an increase from 25k to 50k last week with AMEX, can I get 150k in 6 months?
Thanks
If your looking to grow your channel, it will be helpful to answer the questions in the comment section
I keep hearing TH-camrs repeat these same talking points. I have 5 cards with them but I can't get an increase until after 3 billing cycles
He's referring to new cards only. He didn't speak on existing cards, which I thought was interesting.
@@stephaniel6867 It was a new card that I was referring to. It used to be 60 days but it's been 90 days for a little while now
@@SledgeIncTeam I've known ppl have success at the 61 day more. Quite a few in the last few months.
@@stephaniel6867 Interesting, I have 11 Amex but my experience was different and so was a few other people that I know
I got an AMEX last month and it didn’t give me a credit limit?
Not true. Have a 721 score which increased from the 698 when I got the card and they turned me down for a credit limit increase. Always pay bill in full.
Dude, rather than say “3x”, just say “triple”.
Lmaoo thanks bro
It sucks that only credit card members can get the checking account with them
4:30 of bs until the title of the video becomes relevant. I didnt hit the like button but I did use adblock, hope that helps
First comment 🤞
You looked horrible. Only 3x, you already looked terrible then what about 4X, I cannot watch that. Stop that ridiculous face! Only credit limit increase, no big deal?!
Thanks alot, this 3x info really worked out in my favor!! #ptvgfx #ptvent
Thanks