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Got hit with a FR from Amex at end of July. Everything checked out fine (employment, income, bank statements). Does the fact that they got a much better look at my finances than just my word make me more likely to get a CLI? Does the fact that they had doubts due to high utilization and spending patterns make me less likely to be granted an increase, even though I turned out OK? Or does one have nothing to do with the other? They will run my report, filter it through their secret system, and decide based on that regardless of the FR?