Qantas - Qantas Frequent Flyer
Member since 14 Dec 2016
Total posts 33
Member since 05 May 2016
Total posts 300
Yes they would run a credit check as you would be applying for more credit. It doesn't matter that they offered it to you.
Thanks for that, yeah i'll leave it then. Better to go for a points bonus with another card if l recieve a credit check.
Member since 28 Oct 2011
Total posts 245
If you've been invited, and you log on to the Amex site, then you are asked only a couple of questions, including gross annual income. Upon putting that info in and hitting "submit", you get an immediate answer.
So it sounds like, provided your income meets the threshold, you are automatically approved without any further credit check. At least that's how it played out for me.
I suspect that will change with CCR though.
Member since 15 Sep 2016
Total posts 43
Credit card providers generally don't do a supplementary credit worthiness assessment when offering a credit increase, its based on your spending and payment profiles, not your credit worthiness
if you spend more that 50% of your credit in any given month over the course of a 12 month period, this triggers your account for a potential increase, if your payments profile then also triggers full payment of your balance in at least 1 month, this this triggers an increase proposal
Amex would not offer you to start with if they believed your credit was under the ~680 Equifax "good rating"...but they cant to a check with out your permission.....so its not done, and they rely on you inputting income details to satisfy their credit assessment criteria - if you go and ask for an increase this is different, as your account is not already flagged for eligibility for an increase - then you may have a credit assessment done - but if the provider offers, they don't do a check
Also, on the original comment, higher credit gives you a better score - that's not really the case, when your credit is assessed, "bad" credit such as credit cards, as they are unsecured credit actually brings your score down, as apose to a home or car loan, that is secured against an asset...so the more credit you have on cards, it will negatively impact your score......
British Airways - Executive Club
Member since 18 May 2018
Total posts 2
If AMEX has said you can have a limit increase. If they have told you the new credit limit will be, then they are using Behavioural Scoring based on the information they receive from the Credit Reference Agencies. Even if they haven't told you what the new limit will be, they
Member since 09 Jun 2017
Does asking to have your credit limit not affect your credit file ?
I would have thought it would affect it in a favourable way ?
Qantas Frequent Flyer
Member since 13 Mar 2015
Total posts 4
Virgin Australia - Velocity Rewards
Member since 07 Dec 2014
Total posts 52
I guess it depends on the bank. I used to work for a rather large multinational bank with retail presence in Australia, in their retail credit division. Policy was to do credit checks on limit increases; even if we made the offer - although, that offer was typically via mail, not online.
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AMEX credit limit increase offer: Credit check??
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