Amex credit line increases
Mar 30, 2008, 8:19 pm
#1
Original Poster
Join Date: Mar 2008
Location: Central Jersey
Programs: Emirates, Amex Plat, UA/DL, Hilton/SPG
Posts: 57
Amex credit line increases
does anyone know how high the personal amex blue card limit can go ? any ideas on what to do in order to get a good increase amount ? , of course besides having good credit ...
Thanks anyone ?
Thanks anyone ?
Mar 30, 2008, 9:11 pm
#4
Original Poster
Join Date: Mar 2008
Location: Central Jersey
Programs: Emirates, Amex Plat, UA/DL, Hilton/SPG
Posts: 57
Call AMEX and request increase.
even better, you can do it online yourself !! but I was curious to find out how high the limits are going on the blue card ... anyone over $50k ??
even better, you can do it online yourself !! but I was curious to find out how high the limits are going on the blue card ... anyone over $50k ??
Mar 31, 2008, 9:28 am
#6
Join Date: Sep 2004
Posts: 215
My personal blue cash crdit limit is 78K. Also I have SPG Personal card and credit limit in it is 2K. My Personal Income is 90K. They did FR in December 2007 and they kept credit lines as it is after reviewing tax returns. So not sure if amex restricts credit lines to 25% of personal income.
Mar 31, 2008, 1:35 pm
#8
Join Date: Jul 2001
Location: DTW
Programs: Dirt Status w/ All
Posts: 5,040
The online credit limit generator is pretty generous. I started at I think $8000 a year ago. Some posts at fatwallet seem to indicate going over $25K might trigger a financial review, so I stopped at $24K which is plenty for me anyway.
I recently got the Starwood amex, but they only gave me $2K due to all of my other credit card shenanigans. They won't let you request a CLI for six months, but online I reallocated $10K from my blue over to the Starwood instantly. I immediately went and requested a $8K increase on the blue and it was granted, back up to $22K.
I recently got the Starwood amex, but they only gave me $2K due to all of my other credit card shenanigans. They won't let you request a CLI for six months, but online I reallocated $10K from my blue over to the Starwood instantly. I immediately went and requested a $8K increase on the blue and it was granted, back up to $22K.
Apr 1, 2008, 5:23 am
#10
Join Date: Oct 2004
Location: BNA
Posts: 2,076
Someone else already mentioned the financial review, and it is something to look out for. If you're going to play around with amex, be ready to show them last year's tax form. Jjudging from the FW forums and my own experience, as long as you at least show them something they'll leave you alone, unless you lied on your app big-time, so it's not that big of a deal.
Apr 10, 2008, 12:13 pm
#12
Moderator, Hertz; FlyerTalk Evangelist
Join Date: Nov 2005
Location: KRK
Programs: UA 1MM, BA GGL, Hyatt Glob, Hilton Diamond and others
Posts: 12,690
Apr 10, 2008, 1:18 pm
#13
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,953
In this context it is unlikely that a card issuer is interested in the income of people who just happen to live in the same dwelling, but rather people with whom you share income and expenses.
Apr 10, 2008, 1:31 pm
#14
Join Date: Jul 2001
Location: DTW
Programs: Dirt Status w/ All
Posts: 5,040
I know some of the FW community is big on the "Household Income", but I really question that. From most of the apps I look at, they ask for Salary and then have an area for Other income - child support, investments, etc. Would you really expect your college roomate or the guy that rents out your basement to hand over their tax returns and pay stubs when you get hit with a FR? Just a guess on my part, but I would think the FR trigger would include a credit history age. If you have a 25 year credit history and claim $250K income no FR, but if you have a two year history and claim $250K income it is much more likely you are that college student claiming his 10 frat brothers as HHI.