Master 2022 Approvals and CLIs Thread (Post Yours!)

[hegemony]

Cardless LATAM WEMC $18,000 EX pull

[brainchasm]

2 hours ago, DebtFreeIn04 said:

I log into my account on my laptop enter "credit limit increase" in chat help . Pulls up link to enable request.  Been like this for me about a year. No sign of link f[r that long.

Worked for me.  My normal static link disappeared some time ago, even CSRs were mystified.

 

Did the chatbox thing and asked for $40k, got 7-10 day message.  But whatever, the process works.

 

[brainchasm]

1 hour ago, brainchasm said:

Worked for me.  My normal static link disappeared some time ago, even CSRs were mystified.

 

Did the chatbox thing and asked for $40k, got 7-10 day message.  But whatever, the process works.

 

Email received; denied, lol

 

[centex]

25 minutes ago, brainchasm said:

Email received; denied, lol

 

Any reasons cited or do you have to watch the mailbox?

[DebtFreeIn04]

56 minutes ago, brainchasm said:

Email received; denied, lol

 

I got 3x 6 months ago. But declined for 3x last week due to income.  Scratched my head income pretty good fico 8s in the 760's low or no utilization.  Can't remember last time I was denied by amex. Got email right after 7 to 10 day letter with the reason.  

[DebtFreeIn04]

45 minutes ago, DebtFreeIn04 said:

I got 3x 6 months ago. But declined for 3x last week due to income.  Scratched my head income pretty good fico 8s in the 760's low or no utilization.  Can't remember last time I was denied by amex. Got email right after 7 to 10 day letter with the reason.  

Meant got reason after 7 to 10 day online response 

[hdporter]

10 hours ago, hegemony said:

I don't understand the concern some have on avoiding the 4506-t.

 

For me, its the disclosure of as much as $100k+ in w-2g gross gambling winnings (obviously, largely offset by losses which are itemized separately).  Aggressive "gambling" activity instills an impression of potentially reckless behavior.  I'd prefer to avoid that taint, if possible.

 

No doubt I'm over stressing the risk.

[scott31337]

9 hours ago, centex said:

Some have reported that the CLI request button has been removed from the AXP page. 

 

I don't know if it just got hidden in a place where one might not typically look (sort of like they did with the FICO score, which is still there, but not in an intuitive location) or not, but I know I was not seeing it right away a moment ago. 

It comes right up for me (I do it on Desktop, not Mobile) 

I login - go to "Account Services" at the top - and Request Credit Limit Increase is the fourth box in the top right.

https://ibb.co/RhL34NL (Don't know why the image adder doesn't work)

[centex]

14 hours ago, scott31337 said:

It comes right up for me (I do it on Desktop, not Mobile) 

I login - go to "Account Services" at the top - and Request Credit Limit Increase is the fourth box in the top right.

https://ibb.co/RhL34NL (Don't know why the image adder doesn't work)

Since yours shows BUSINESS address in that first box, I wonder if this is something that is a CONSUMER vs BUSINESS card distinction. 

 

Do you have it on personal cards as well as the business offering?

[brainchasm]

18 hours ago, centex said:

Any reasons cited or do you have to watch the mailbox?

From the Message Center:

We made this decision for the following reason(s): The income you provided is insufficient relative to your overall debt obligations as reflected in our records or on your credit report.

 

I mean, I guess.  Six other banks had no problem.  Hell, that AMEX isn't even in the top three of limits anymore.  /shrug

 

[DebtFreeIn04]

43 minutes ago, brainchasm said:

From the Message Center:

We made this decision for the following reason(s): The income you provided is insufficient relative to your overall debt obligations as reflected in our records or on your credit report.

 

I mean, I guess.  Six other banks had no problem.  Hell, that AMEX isn't even in the top three of limits anymore.  /shrug

 

Yup that was mine too. Weird wonder of they just freaking out over the economy.  I've not ever seen that before from amex

[centex]

27 minutes ago, DebtFreeIn04 said:

Yup that was mine too. Weird wonder of they just freaking out over the economy.  I've not ever seen that before from amex

They may be re-evaluating while watching the impact of rate hikes on delinquency. 

 

I still think that they made a major error by treating the charge card balances like credit cards and doing a paltry minimum payment.  Whatever happened to pay it in full unless you somehow qualified the purchase on the Pay Over Time categories? 

[hegemony]

17 hours ago, hdporter said:

 

For me, its the disclosure of as much as $100k+ in w-2g gross gambling winnings (obviously, largely offset by losses which are itemized separately).  Aggressive "gambling" activity instills an impression of potentially reckless behavior.  I'd prefer to avoid that taint, if possible.

 

No doubt I'm over stressing the risk.

 

 

no worse, and maybe even better, than people day trading and bitcoining. 4506-t is just the transcript not the entire return anyway.

[RehabbingANDBlabbing]

Approved for GM Mastercard for $2k. Meh. It’s a card. I’ll use it for maintenance on my Caddy.

[DebtFreeIn04]

Wait 91 days for next amex cli request after denial?  Almost tempted to ask for 2x sooner just for science but don't want to poke em unnecessarily 🤓

Edited June 22, 2022 by DebtFreeIn04

[hegemony]

31 minutes ago, DebtFreeIn04 said:

Wait 91 days for next amex cli request after denial?  Almost tempted to ask for 2x sooner just for science but don't want to poke em unnecessarily 🤓

nothing to fear with amex. There was a time I tried about once a month and simply got the 4506-t request which I ignored. rinse. repeat.

[hdporter]

3 hours ago, hegemony said:

 

 

no worse, and maybe even better, than people day trading and bitcoining. 4506-t is just the transcript not the entire return anyway.

 

I'm inclined to differ (though this is a minor nit, in the scheme of things).  Day trading and bit coining are reported as investment activities, with reporting from any one broker summarized on a single schedule, and only the summary total captured

 

Gross casino machine gambling wins equal to or greater than $1200 get reported individually.  It's not unusual for me to have 10-30 entries, each identifying win amount, casino, date and wager.   With about 3 such entries fitting on a single page, I've had 4506-t transcripts where 2 pages covers all other reported income, with another 8 or more pages of reported w-2g winnings

 

It's all a perceptual concern.  All other things being equal, I prefer to avoid such bias exposure. 

 

Although when we moved to GA in 2011, our mortgage broker had an interesting slant on things, totally accepting the "advantage" player scenario and putting me at ease when I sweated that I had moved some "mattress money" to savings for the down payment a little too late to properly "season" it.  (Bev moved ahead of me and so we bought prior to sale of our existing home).   He asked me if I had winnings documentation and I noted recent w-2g activity, but commented that obviously reflected gross winnings, not the considerably smaller net that I took home.  He said, no problem ... just need something that documents that the cash is from your own resources.

[hegemony]

On 6/22/2022 at 2:59 PM, hdporter said:

 

I'm inclined to differ (though this is a minor nit, in the scheme of things).  Day trading and bit coining are reported as investment activities, with reporting from any one broker summarized on a single schedule, and only the summary total captured

 

Gross casino machine gambling wins equal to or greater than $1200 get reported individually.  It's not unusual for me to have 10-30 entries, each identifying win amount, casino, date and wager.   With about 3 such entries fitting on a single page, I've had 4506-t transcripts where 2 pages covers all other reported income, with another 8 or more pages of reported w-2g winnings

 

It's all a perceptual concern.  All other things being equal, I prefer to avoid such bias exposure. 

 

Although when we moved to GA in 2011, our mortgage broker had an interesting slant on things, totally accepting the "advantage" player scenario and putting me at ease when I sweated that I had moved some "mattress money" to savings for the down payment a little too late to properly "season" it.  (Bev moved ahead of me and so we bought prior to sale of our existing home).   He asked me if I had winnings documentation and I noted recent w-2g activity, but commented that obviously reflected gross winnings, not the considerably smaller net that I took home.  He said, no problem ... just need something that documents that the cash is from your own resources.

I hear you. My CPA asked me for a documentation of my losses when I included a w-2g... only that was my only gambling session of the year.

[centex]

Got two notices from entities that changes were noted on my reports and, upon looking, it was line increases. 

 

Hancock Whitney with another auto-increase barely five months after the earlier auto-increase.  This one was for about a third of the prior line.  It also followed me using the card for the first time in a while.  Rewards aren't spectacular, but the bank fit the regional niche I wanted to hang onto once I realized they were going to be expanding more into Texas...I first learned of them many moons ago during my travels to New Orleans. 

 

And it appears Citi gave me another $3K somewhere in the past week.  Most recent use of that one was to add another handgun, so maybe they like seeing $500 for self-defense LOL!

[DebtFreeIn04]

Saw @centex good fortune and logged into citi. No auto cli. But widget said was eligible for credit increase no inquiry.  Entered info + 1800 to 7100. Ok fine I'll take it 😁

[pokerdave]

Alliant raised my limit from 15k to 20k on my two year anniversary , without me asking. I only used the card to transfer a 0 pct balance which was paid off in February. Original limit was 10k and i reconned and got them to give me 15k. I guess i should buy something with it.  No email from them but all my monitoring services sent me emails and alerts.

[pwd847]

Accepted the HP and hit up Barclays for a CLI.

 

Aviator Red current CL was $10,000

 

The website asked how much ADDITIONAL credit requested.  I put $20,000.  My understanding is that I was requesting a total of $30,000.

 

Request was put in late on a Friday night.

 

Given total of $25,000 CL on Saturday morning.

 

Really happy about this.  Now I can put more than one Simon Volume order on this card.  AA gold here I come!

 

[centex]

Pulled the trigger on a BofA offer...card itself is rather 'meh' (standard 3-2-1 rewards structure, with the ability to select the 3% category) but the $200 for a paltry $1K spend in 90 days is free money.  Was not an instant and showed to be in review for a week and a half...not sure which flavor of FICO they were looking at but all of the bankcard-related models are north of 800.  

 

Interesting thing was the limit was close to my other BofA card but the cash line is almost three times the older card.  I don't use them for cash but I found that interesting (almost $5K on a $20K line). 

[hdporter]

8 hours ago, centex said:

Pulled the trigger on a BofA offer...card itself is rather 'meh' (standard 3-2-1 rewards structure, with the ability to select the 3% category) but the $200 for a paltry $1K spend in 90 days is free money ... Interesting thing was the limit was close to my other BofA card but the cash line is almost three times the older card.  I don't use them for cash but I found that interesting (almost $5K on a $20K line). 

 

If we're talking BA "Customized Cash Rewards", I view the card as closer to "exceptional" than "meh" ... 3% cb (+ relationship kicker) on online purchases (up to $2500/qtr cap) isn't readily matched via another issuer.  We have his/hers cards to ensure a $20k annual capacity on our online purchases earning bonus cb.

 

But, yeah, the cash lines are all over the place on this CCR (although the sparse line on your "older card" sounds a bit bizarre as well.

 

We have 3 BA cards, beside the two "CCR's".  2 of those have cash lines set at 30% of the CL, the other is set at 35% (having the largest limit, $14k on $40k).  But the two CCR cards have cash limits set at 17% and 24% of their respective CL's.  Go figure.

[centex]

1 hour ago, hdporter said:

 

If we're talking BA "Customized Cash Rewards", I view the card as closer to "exceptional" than "meh" ... 3% cb (+ relationship kicker) on online purchases (up to $2500/qtr cap) isn't readily matched via another issuer.  We have his/hers cards to ensure a $20k annual capacity on our online purchases earning bonus cb.

 

But, yeah, the cash lines are all over the place on this CCR (although the sparse line on your "older card" sounds a bit bizarre as well.

 

We have 3 BA cards, beside the two "CCR's".  2 of those have cash lines set at 30% of the CL, the other is set at 35% (having the largest limit, $14k on $40k).  But the two CCR cards have cash limits set at 17% and 24% of their respective CL's.  Go figure.

Gas and grocery are the two biggest categories for me that I use right now, and the AXP Blue Cash Preferred is giving me 3% on gas in addition to the 6% on grocery. 

 

The old card is one that likely still has some hindrances from the old MBNA staff that came in after the merger/acquisition and continued internally to hold me responsible for ~$40K in fraud losses two decades ago...it was a Merrill card, which is how I think it survived the transition.  It just started seeing line increases in the past few years...and, again, I might pursue the cash line if it was something I might ever need.  But it isn't and so I don't...