How to get a MASSIVE Credit Limit INCREASE from American Express
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- เผยแพร่เมื่อ 22 มิ.ย. 2024
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In this video we look at how to get a credit limit increase from American Express.
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Went from 10k to 24k in a matter of a few short minutes.
Thanks, Benji
I'm a business owner, a property management owner and operator, and I do maintenance. Business Credit was priceless for me! Credit lord from start to finish, was 100 percent a teacher, a guide, and just an amazing helper! You got to talk to them!
I took your advice and stayed just below the 3x amount and got immediately approved! Thanks for the tip!!!
Just increased my Simply Cash (Canada) card from $6K to $15K on Sept. 1, 2022. Immediately approved. Checked my credit score with Transunion (for the very first time) before requesting and score was excellent. Now I don't have to worry about the occasional large charge. Would not have tried if I hadn't seen your video.
This advice was spot on. I have a great credit score but always looking to do what I can to keep it that way. Updated my income and assets and requested a change from 10K to 24K and instant online approval. I don't carry balances but even with my monthly spends that should do wonders to drop that utilization down.
Great video keep em coming, SCIENE!!!
CREDIT LORD TOTALLY ROCKS.
Great video! Thanks for sharing!
Appreciate the video this helped a lot !
Great content as always. I walked upstairs to my computer and followed your steps. I was instantly approved from $2K to $6K. I even decided to upgrade my blue cash everyday to blue cash preferred.
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Did you request $6k or was it a higher amount you requested?
Thank you so much !!!! Im so grateful.
I just did this on my Blue from American Express. My credit limit was $3500 and I increased it to 10000. And my approval was immediate. Thanks for the tip
Excellent video. Well done! 👏
I was at $3K on my AMEX Skymiles Gold Card. I got this card in April this year IIRC, got a x3 CLI in June I think to $3K, request again just now for $10K and was approved for the classic x3. Now at a $9K limit for this card which I got only 5 months ago at $1k. Thanks Ben
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so u requested credit limit increase every 3 months?
Awesome video! Tried it on my Hilton Honors card and was approved for double the credit limit I had. Love it when I can decrease my credit utilization without a hard credit pull.
I recently increased my Hilton Honors to 20k as well. I did exactly what you did with your wife's card being a bit cautious and SUCCESS!!!!! So glad I got into the AMEX system 👍🏽👍🏽
It worked! I just asked for double of my current credit limit and it was approved. Thanks!
Geat advice.
My blue cash preferred with from 4500 to 15000. Thanks for the guidance !!
Great info, from someone currently working on their credit score. 😉
I had a 6k limit day one for a year on the everyday card. (only card) Last week updated my income (slight increase) and checked spending power for a 2k purchase (did that purchase on CSP bonus) and a day later got an automatic credit limit increase to 7.5k
I had the same limit to start on mine (2nd card), after 6 months of using it heavily as my primary card and paying it frequently and statements in full they jumped me from 6,000-9,000$ on their behalf. Just recently doubled my salary and updated the info. Once 6 months from the 1st increase is up, I suspect I will be able to do a manual request from 9k will try to get approved for 20k. My credit should be at least 25 points higher than the open and 1st limit increase and somewhere around 780. So I'm confident I can squeeze a large bump out of them.
Great video. Can you do this for Citi? Chase at least allows credit changes over different cards but I don't think Citi allows that.
Great video! I would urge people to be careful in applying for too many credit limit increases however, or if they are already approaching a large limit on any card due to the risk of getting a financial review! I actually made a video myself recently talking about just that and the risks of requesting one! Especially with American Express who seem like they are the most sensitive to this, especially with the horrid "check spending" button.
@@CheekyBird790 I completely agree! The manual increases are where things become a bit scary! Some people may just be impatient and what all the available credit given to them right away, instead of earning it slowly over time.
I’m soooo excited!!! 😆
Went from 1000 to 9k on the delta blue card the day after getting aproved for the delta gold biz card with a starting limit of 12.5k
That's pretty impressive!
It worked! I got a 2.3x CL increase on my AmEx BCP just now. (New = Old x 2.3). Thank you!
I was able to do this with my 1st AmEx card. Started at $2k, went to $5k, then requested 3x to $15k and approved no issue.
Did report assets and income? Can you get an increase with the same income for 2 years?
@@shaligasuksomsong Just income. You probably could get an increase with the same income, just have to show consistent use. AmEx wants to be your only card so they really value you using them consistently.
@@stuckhere14 how much was your utilisation on your 2k and 5k limit cards? Did they automatically increase you to 5k or did you do that one yourself? How long did you have the card for before doing/getting both increases to 5k then to 15k?
Amex in the uk 🇬🇧 are always generous with credit limits. As long as you’re spending and paying off enough turnover on the accounts to justify the increase, they’ll usually approve the requests. You want to also have no negative info on your credit report obvs.
The different credit card products in the uk 🇬🇧 also have varying maximum limits… most of them are £25k GBP like the Nectar card or the Cashback card. A few like the BA Premium Plus are £50k GBP (max limits without manual underwriting)
This worked for me with my BCE card. I had a 2500 limit and got increased to 7500.
Thanks for this video! I tried this a year ago and they sent me the tax form so I’ll try it again knowing what I know now.
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
I’ve gotten credit limit increases on the same card without having to wait 6 months. I just use the card a lot and consistently and they keep approving it. That’s just my experience of course.
Same. I went from 2k to 4k then to 8k then 10k in like 3 months. 3 increases. Not big increases but increases nonetheless.
Are you asking? How often? Or are they just giving it to you? I have two other cards with $6 and $12k limits, and my BCE has a tiny 1k limit. I’ve been using and paying off the card constantly and I was denied any increase on Day 62 so not sure why this didn’t work for me at all. And wondering if I really have to wait 90 days again? Or should I just wait for them to offer it automatically?
@@sonictonic_ Amex just flat out gave me a huge credit limit on my
Hilton at 20k so I don’t know I do know they like to see high spending so guessing if you’re dropping 500+ a month they’ll take notice give it 3-6 months
@@thenextdouglassbubbletrous1062
Did Amex automatically give you the increases or did you requested the increase within that 3 months?
Just tried to get my 10k to 20k and got a partial approval to 17.2k 🤷🏾♂️🤷🏾♂️🤷🏾♂️ I’ll take it.
I did it first time around and only time from $4500 CL to 3x and I was instantly approved. Considering doing another CL increase request with my other AMEX, but most likely a conservative 2x…
I’m not seeing the limit increase option when I click those tabs. I see all other tabs “edit home” “check spending power” etc but that tab is missing.
Mine says the same, so I think it has to do with the type of card
Congrats and thanks for the tips. How is Amex with automatic increases? I've had my BCP card coming up on a year now. But I've been taking advantage of the intro 0% apr by paying off a balance over those 12 months. So im hoping after my balance is paid off and at least 12 months of on time payments to see a CL increase automatically.
Thanks man I was able to increase my limit from 5000 to 15000
i have a total of $61,000 credit line from all 9 cards
I spent about $1,000-$1,500 a month, other expenses are EFT to prevent $5 or 3% fees...mostly rent and utilities
on average I spent about $15k-$20k on my credit cards annually
On March 6th I got approved for the Amex blue cash preferred with only $1000 limit. I set two reminders on my phone. One for 60 days and the other for 6month. On the 61st day I applied for 3x and was approved for $3000. Yesterday I got the 6 month reminder which I had totally forgotten about. I applied for $9000 limit and was approved. I immediately set another 6 month reminder. I will try for 27,000 next lol. Fingers crossed.
@@CheekyBird790 you’re probably right. Moving from 1k to 27k in just a few steps is probably a little extreme. On the other hand a month and a half ago I got approved for an NY MCU credit card which stands for Municipal Credit Union here in NY for 25k right off the bat so taking a year to get 27k from Amex should be ok.
Yoooo this really worked went from 6k to 18k on my Marriot Bonvoy Brilliant card Thanks Benji!!!!
Need try this when I get home from work.
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Whoa whoa…we all need an explanation for what happened at 3:10 😬
It's not his. He's a member since 2016 whereas the Member Since on the Centurion shown is 11, meaning 2011.
@@GeoSebastians 😁👍
Thanks.
I just added 10k to my limit on my honors card🏆🏆
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Thanks brother, I went from $9500 to $20000!
My AMEX page doesn't have a credit increase button.
What should you ask for that second request after 6 months? 2x ? Orrr?
Sometimes they just offer increases to customers. I've gotten two offers for limit increases on my card over the years and each time I was prompted by Amex to request anything up to a set amount that they were willing to give me.
I was approved for my 3x CLI on my Delta Gold, do you know if you can request a CLI on another credit card like my BCE card or do I need to wait 6 months to request that? Thank you!
Was stuck on 2k BCE for 5 yrs they never increased. Two weeks ago requested 3x and now have $6k. Will try again in February.
A couple of years ago I was approved for Macys store card. They increased it to 1500 & 2500. Then they kept sending me offers to upgrade to AMEx. Eventually, I accepted & requested 18K they approved me 9K. Win - this is a nice card to have…
Also the phone rep told me that they don’t do a hard pull for under 20K (not sure if that’s true but that’s what I was told)
Good info. I’m new to the Amex ecosystem as of 1 week ago (approved for Platinum, HH Surpass @ $15K, & BCP @ $15K). I’m going to wait 6 months before requesting a CL.
UPDATE (6 Months Later): Amex approved a CLI for my BCP from $15K to $30K and I’ve since been approved for the Gold, Green, BCE @ $15.2K, and BB+ @ $5K. No financial review has been triggered, although I have no issues in providing Amex with confirmation of my salary.
Geez, I can't believe it . My limit was $2,500 . I requested 7,000 and got it 👍. Thanks
Shifu, do U use the AAA card for hotel discounts or do you solely rely on CC points?
Sometimes I use AARP, but i rarely use money, most of the time just points or free nights
THANK YOU! I was able to double my credit limit from 5K to 10K!
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Went from 2.5k to 6k, I appreciate you brother.
Have a BCE with a mere 1k limit. Was putting around 800-1200 in spend on it and paying it off with 2 or so payments before the statement cycled, and paying off to zero when I got the bill. Tried this on Day 62 and was DENIED.
Thanks for posting information that can be helpful to others!
I know we like cash back, but creditors tend not to like cycling cards. I’ve been denied for that before.
Will that work on UK version of Amex?
It worked thanks 3x approved in seconds
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Question does American Express (Charge Cards) credit limit apply towards your overall available credit limit
So if I request and get approved for a cli on one card should I wait to request a cli on a different card? I ask cuz I have 3 cards with relatively low limits
What is a good credit card to have for points?
What was the updated income?
Does the 6 month rule apply to one card or to the Amex account in general. I increased the limit on my aspire a few weeks ago but also have a normal hilton amex and would like to increase the limit there as well. It‘s a true sockdrawer card and I never used it after getting the SUB. Do I have a shot at an increase with this card?
Have you tried it ? I'm in the same boat :/
@@CheekyBird790 thanks!
Anyone know if it’s better to do this over the phone rather than online?
Down the road give us an update on the first application.
Just did it started at 2k tried 6k semi to 4K approved it’s blue cash everyday I rarely use now .
Hi, Ben! After successfully receiving a credit limit increase, how long should we wait before requesting another credit limit increase for the same card? Thanks!
6 months
Hi Ben I have a 3 cards with Amex 2 at a15k limit and one at 4K I would like to increase my 4K limit but I’m wondering if they will ask for my tax information is there a certain limit you can have with Amex ? Thank u
There's is no credit limit increase option anymore but there's a way around that. Tap on the chat icon. After that it'll ask you for the reason you want to chat & it'll give you the option to increase your credit limit. Push that option & it'll put you into the menu to increase your credit limit. That's how I got to the credit limit increase menu, online. It appears that I didn't even chat with a real person.
I literally just did! Used the chat option in the app and went from $2000 my starting limit I got a year ago to now $5500 my new limit.
@@michaelduncan6769 Congratulations on your credit limit increase!
Anyone else not see the "credit increase" button when hitting on account services? I've seen it before on mine, but now it's not there...
yea i watched this video a while ago and it worked now went to do second card its not there
I thought I was going crazy! It’s but there!
it’s definitely not there, did you find it? i’ve looked everywhere. i’ve done it before
Just recently got the 3x limit increase on my BCP, let’s go! Waited about 75 days and got instant approval. After 6 months, you think going for 15k is reasonable?
I just applied and got approved for a Amex delta gold and got a 20k limit. Should I still push for a credit limit increase?
As of November 19, 2022, there is no 60 days rule. I called Amex and it’s now a minimum of 90 days and all the way up to 180 days, depending on the specific person.
Is the $35,000 limit for personal and business cards together???
my blue cash preferred card has a roman dude on it
Thank you. You might be in need of similar help I can assure you they can handle it.
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I have been an Amex member for 11 years. Just got a new card in August, so it has been 61 days at least and I applied for an increase less than 3x my limit.......and got denied. My usage is in the 3% range so don't know the issue.
I just watched your video and decided to try for a limit increase on my blue cash everyday card. My current limit was 10k and I asked for another 10k and was approved with a new total limit of 20k 🤑🤑
I have had amex for 4 month didn't think this would work since my over average card age is under 1 year 8 month.. I did it for 2 x as well to be safe went from 1 to 3. ... Thanks a lot 👍🏾
From 1 to 3 is 3x not 2x
I didn’t ask for 3x but after having my AMEX everyday card for a year they did an auto credit limit increase and gave me 3x, so it does work even without asking you can get it.
Went from 100$ to 80,000$ in a day from getting my card , thanks.
I did an increase on my delta platinum card 2X I got approved from $1,700 toooo $3,400 I’m happy with that increase I didn’t wanna risk doing the 3X. The credit shifu you’re amazing!!! Thank you (:
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I don’t even have the tab on my blue preferred card. Is it because I was initially approved for 14k.
This actually worked, I just requested a 2x increase just to be safe & I was instantly approved. I went from 10k to 20k, thanks for the great video
first increase was 3 x 2nd and 3rd time ask for 25k said cant approve at this time but can give increase credit to x do you accept yes or no
I got increase from 10k to 24k thanks man
May you do vids like this on how to increase your credit limit for discover, capital one, and chase freedom? Thanks!
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Does this $34,500 rule also apply to business accounts held with Amex?
Probably not
I don't understand... online I was chat and asked if I could... I thought I was at 6 months. The last phone representative said at 6 months, the customer has to ask for increase and then at 12 months it's Amex doing it. But the chat said I could still request increase now and will know in 7 days if I get it?? I thought it would be immediately
Will this work on the Blue Business Plus?
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Could I request a limit increase if a have a balance?
I will be back and like the video when I get a successful credit increase!
If my credit limit is say 6k but i only spend $500 per month does it really make sense to get an increase?
Hi Ben, 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?
Definately, also if a 3x pushes you over $25k or so it has to be manually approved
So would you say the best way second time around is just to wait for them to automatically increase it again?@@TheCreditShifu
It works! $25,000 that is doing wonders for my FICO scores.
“SCIENCE!!!! 👏🏽”
Just got from $7,400 to $20,000 on the Hilton Honors card baby
Did you request $20k to be safe? Or was it auto increase?
@@alternateuniverse2183 just to be safe. My income last year was lower than today from covid so I would’ve been screwed if I got the tax form lmao
I asked because I did the same. Last December they gave me $7,600 Delta Blue and last month after statement I was gonna request 3x which is $22,800. I went just below to be safe lol and got instantly approved for $22,000 and just today got confirmation for Platinum Charge Card approval. I'd hate to have had to falsify that form LMAO
@@alternateuniverse2183 yeah lmao lying on a meaningless box is much easier than an official looking form
Not that I would ever do that sort of thing anyway, to all the Amex people reading this
So apparently this doesn't work anymore if you have pay over time. I just tried to increase my limit and they declined me. I was told because I have pay over time on my Platinum, I can't get an increase.
Strange on my Amex revolving account my existing CL is 70k so if I ask for a credit limit increase, Will I denied automatically? Or is the 35k per account?
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I wanna get QANTAS points so have applied for QANTAS AMEX card.
What happens if you get 4506T or 4506C but do not respond to it. Does Amex reduce enforce submission or block/cancel card or reduce limit ?
Why won’t you respond? You were honest in your application right?