the amex limit increase that runs soft n drops ur utilization wit no inquiry 💎

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wassgood fam. droppin a real one for u today 🔋 most yall scared to ask for a credit limit increase cause u think every bank gonna hit u wit a hard inquiry n ding ur score. so u just sit on the same lil limit for years watchin ur utilization stay high. nah. amex got a move most yall sleepin on.

heres the deal. when u request a credit limit increase on ur amex card. amex runs a SOFT pull. not a hard one. that mean it dont touch ur score at all. u can ask for more credit n if they say no. u lost nothin. no inquiry sittin on ur report for 2 years. nothin.

why this matter so much. utilization is 30% of ur score. second biggest piece there is. say u got a $2k limit n u carryin $800 on it. thats 40% utilization draggin ur score down. now u get that limit bumped to $4k wit no inquiry. same $800 balance. boom u just dropped to 20% utilization overnight. ur balance aint move but ur score climb. thats free points.

how u run it. first. log into ur amex app or pull up ur account online n find the request credit limit increase option. its right there under account services. second. ask for a bump but keep it reasonable. somewhere around double what u got now. dont go askin for some wild 5x number. that can trip a financial review where amex freeze ur account n start askin for tax forms n income docs. u dont want that smoke. third. if they approve. ur new limit hit instant n ur utilization drop on the next report. fourth. if they say no. wait bout 90 days n ask again. soft pull every time so u never takin a hit for tryin.

big catch u gotta know. the only time amex run a hard pull is if THEY offer u a auto increase n u turn it down to ask for more. then they ask permission to run a hard pull. long as ur the one startin the request from scratch. its soft. every time.

real talk. u been sittin on the same amex limit for a year plus too scared to ask. drop ur card n ur current limit below n me n my team will tell u exactly how much to ask for so u dont trip a review 💎

6 comments

the amex limit increase that runs soft n drops ur utilization wit no inquiry 💎