I currently have 2 personal Amex cards and put a fair bit of spending through on it. Amex just increased my limit yet again (they seem to do so 3 times per year), now I'm at 22k on one card and 23k on the other. Reported income is ~70k. I'm interested in applying for the SPG Business Amex for the club access and free boingo. Is this just asking for a review as my combined limits are over the 34.5k threshold?