Cookiemonster

[hunter @hxxntrr]

American Express will triple your credit limit every 6 months for life if you ask

$5,000 limit becomes $15,000 in 6 months
$15,000 becomes $45,000 in 12 months
$45,000 becomes $135,000 in 18 months

On a single Amex card. For pressing one button on their website. With no hard credit pull, ever

This is the "Amex 3x Credit Limit Increase rule" and almost no Amex cardholder has ever used it

Every Amex personal and business credit card allows the cardholder to request a credit limit increase (CLI) every 181 days. The CLI request can be made through the Amex website (under "Account Services" → "Request Credit Limit Increase") or by phone

Critical mechanics:

The Amex CLI request is a SOFT pull. It does NOT affect your credit score. It does NOT show as an inquiry on your credit report. You can request as many times as you want every 181 days with zero credit consequences

The maximum approvable increase per request is 3x your current limit. If you have a $5K limit, you can request up to $15K. If you have $15K, you can request up to $45K. The system caps requests at 3x but does not penalize you for asking for the maximum

Each CLI request must be 181 days apart. Day 182 is the next eligible request date

Approval criteria:

The card must be active for at least 60 days
You must have at least one payment cycle of usage history
You must not have missed a payment in the last 6 months
Your overall Amex relationship (across all cards) must be in good standing
Some recent income increase or significant spend pattern increase improves odds

The 18-month compound math:

Month 0: open Amex Blue Business Plus. Approved for $5,000 limit (typical 720 FICO approval)
Month 6: request 3x CLI to $15,000. Approved (typical 80%+ approval rate at this stage)
Month 12: request 3x CLI to $45,000. Approved (approval rate drops to 60-70% at this stage, but most cardholders get either full 3x or 2x)
Month 18: request 3x CLI to $135,000. Approved (approval rate drops to 40-50%, but partial increases still common)

If you have multiple Amex cards (Blue Business Plus, Business Gold, Platinum, Personal Gold) and run the same 3x CLI cycle on each, you can compound aggregate Amex credit from $20K initial approval to $400K+ available across 4-5 cards within 24 months

How to maximize approval odds:

Use the card heavily before the request. Run $10K-$20K of monthly spend through the card during the 60 days before your CLI request. Amex sees high usage and assumes you need higher capacity

Pay statement balances in full every month. Don't carry interest. Amex's underwriting heavily favors high-spend transactor profiles

Update your income on file before the request. Amex lets you update reported income in your profile at any time. Update with truthful current income before requesting the CLI. Higher income = higher approved limits

Request during business hours (Amex headquarters is in NYC). 10am-2pm EST has the highest approval rates because manual review queues process during peak staff hours

The reason this exists:

Amex's business model is transaction volume, not interest revenue (they're closer to Visa/Mastercard's economic model than to Chase/Capital One's). They make money on interchange fees every time you swipe. Higher credit limits = more transaction volume = more interchange revenue

Approving CLIs aggressively is in Amex's direct financial interest. They WANT to give you a $135K limit because that means you're going to put more spend through their card network and they're going to collect 2.5-3.5% interchange on every transaction

For a high-spend cardholder ($200K/yr in business spend), Amex generates $5,000-$7,000/yr in interchange revenue. They don't care if your interest is at 0% (most premium business cards have 0% intro APR anyway). They care about volume

The play in production:

A client opened Amex Blue Business Plus in October 2023 with $7,000 limit
6 months later: requested 3x CLI to $21K. Approved
12 months later: requested 3x to $63K. Approved
18 months later: requested 3x to $189K. Approved partial increase to $130K

In 18 months, his single Amex card limit went from $7K to $130K. Same FICO. No hard pulls. No new applications. Just 3 buttons pressed on the Amex website 181 days apart

He also runs the same CLI cycle on Amex Business Gold (currently at $85K from a $5K original approval) and Amex Personal Platinum (currently no preset spending limit, but recent purchase history shows comfortable $60K+ spend authorizations)

Total Amex credit available to him across all 3 cards: roughly $275K, all from a starting position of $17K of initial approvals 18 months ago. Same $275K through new applications would have generated 3 hard inquiries and required 3 separate approvals. He just pressed buttons

The CLI feature is documented on Amex's website. Their own customer service reps will tell you about it if you ask. It's not secret. It's just buried under 3 menu layers in your account settings and Amex doesn't advertise it because asking customers if they'd like a 3x credit limit increase implies they couldn't have it before, which implies the bank was holding back

Most Amex cardholders use their initial credit limit forever. The CLI button stays unclicked. The bank quietly assumes you don't want more credit because you never asked for it

link in bio and i'll show you how you can qualify for up to 250k in 0% APR funding (if you have a 700+)

[ B ⚖️👑 @AbogadoFeroz]

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[karla @karlaciomara]

convinced broke ppl just be bitter about everything

[Camus @newstart_2024]

Gary Brecka calls a $5 bag of mineral salt the best cheap biohack he’s found.

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[D.J. Miller @mrdj13]

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[Margaret Yanki @MargaretYanki1]

New dick or pussy ain’t gon make you forget who you really love. Remember that.

[Cartel Watch @CartelWatchNet]

Over 1,500 Troops Deployed to Michoacán’s Avocado Heartlands

In response to the U.S. suspension of avocado imports from Michoacán, Mexican authorities have dispatched 900 soldiers and 657 National Guard members, more than 1,500 personnel in total, to the state’s main producing regions.

The deployment focuses on securing packing facilities, roads, and SENASICA inspection points, while also providing support for export-related operations.

[Michael Moreno @HealthcareREguy]

My friend just drove to Mexico for the day to get a $350 dental procedure that would’ve cost him $5,000 in the U.S.

This wasn't at a roadside clinic either. It was a state of the art facility with great reviews. Apparently a ton of Americans are going there.

A four hour drive to save 93% on healthcare. Something needs fixing over here.

[emini tic @TicTocTick]

Chase is offering some Private Clients mortgage loans for 30 year jumbo as low as 4.5%.

[TMZ @TMZ]

😬 Exclusive: Brad Pitt claims Angelina won't turn over movie contracts, wants to see finances. https://t.co/FWyCuyEaFZ

[Sammy Wammy 🫒 @SamsoSpicy]

Anytime I feel like my life is hard, I remember people my age have 3 kids 😭

[Blake Burge @blakeaburge]

Major cheat code for life: Get organized. Just get your sh*t together, really. Stop creating emergencies for yourself by being all over the place. Pick a direction. Focus. Lock in. Discipline doesn't remove every problem, but it prevents a shocking number of avoidable ones.

[Eric Towner @etowner5]

Summer is almost over and I always get a little sad when it’s time for the kids to go back to school. My advice to parents with younger kids… stretch your time and money as far as you can to create memories. I have never regretted working through spreadsheets at 1am in the summer so that our family could go on an early morning adventure. You truly only get about 8 summers that they ll remember before they’re driving and then you lose half of their attention. Teach your 9 year old to drive a jet ski, teach your 11 year old daughter how to shoot a shot gun, rent ATV’s and disappear into the forest. My oldest is 18 and I am so glad we have the memories

[Tai Lopez @tailopez]

8 boring businesses that quietly make owners rich. Average revenue:

1.Septic tank pumping - $300K-$600K/yr
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