Need a higher limit on an AMEX?
Feb 7, 2007 | 5:20 pm
#32
Join Date: Aug 2006
Location: ATL, BHM, DUB, County Wexford
Programs: DL DM, AA ExPlt, Diamond HH, HY, BW, & Titanium Elite Marriott
Posts: 4,904
I was told the same thing, that they would only allow 100k on the combined cards and that they could move the limits around any way I wanted. I went over that today to.
Feb 7, 2007 | 5:20 pm
#33
Join Date: Aug 2006
Location: ATL, BHM, DUB, County Wexford
Programs: DL DM, AA ExPlt, Diamond HH, HY, BW, & Titanium Elite Marriott
Posts: 4,904
Now if I could only get my personal amex delta card up as well. I guess I will have to wait until next month for that one.
Feb 7, 2007 | 7:44 pm
#34
Join Date: Feb 2007
Location: Suburban Philadelphia
Programs: Marriott Lifetime Plat, IHG Gold
Posts: 3,392
Sometimes if the computer won't give you an increase, the phone will. Also, it's been said that while filling out the "form" on the website will result in a credit inquiry on you, calling on the phone and providing the same information via the automated system will not...
Feb 7, 2007 | 7:47 pm
#35
Join Date: Jul 2006
Location: PHL
Posts: 877
This is very impressive. I didn't know that the online LOC tool was this lenient, or that there was this much pent-up demand for large limits on Amex cards.
drbond, curiously, is your $350k all in credit cards or are you counting charge card exposure limits (the kind you have to coax out of a rep) in the mix?
drbond, curiously, is your $350k all in credit cards or are you counting charge card exposure limits (the kind you have to coax out of a rep) in the mix?
Feb 8, 2007 | 8:17 am
#36
Suspended
Join Date: Jan 2006
Location: Alabama / Georgia
Programs: DL, HHonors, AA, US, Aloha Pass, BA, CO, HawaiianMiles, Chairman, Centurion, AXP, MR, MHC Gold
Posts: 3,467
I was shocked as well and it is all on my "credit cards" I did not count my charge card guide lines in the mix. I know I can get another 200k out of that.
Feb 8, 2007 | 8:18 am
#37
Suspended
Join Date: Jan 2006
Location: Alabama / Georgia
Programs: DL, HHonors, AA, US, Aloha Pass, BA, CO, HawaiianMiles, Chairman, Centurion, AXP, MR, MHC Gold
Posts: 3,467
Sometimes if the computer won't give you an increase, the phone will. Also, it's been said that while filling out the "form" on the website will result in a credit inquiry on you, calling on the phone and providing the same information via the automated system will not...
Feb 8, 2007 | 1:54 pm
#38
Join Date: Jul 2006
Location: PHL
Posts: 877
Actually, noticing just now that you have a Centurion card, I'm not so surprised anymore. You've presumably already proven to Amex that you can manage a lot of credit.
Feb 8, 2007 | 2:02 pm
#39
Suspended
Join Date: Sep 2004
Location: USA
Programs: UA/CO(1K-PLT), AA(PLT), QR, EK, Marriott(PLT), Hilton(DMND)
Posts: 9,538
In the past two months AMEX has doubled the credit limit on one of my cards and quadrupled it to a truly ridiculous figure on another. I had to send a written request to ask that these credit limits be reduced to their original amounts. 
Feb 8, 2007 | 5:41 pm
#40
Join Date: Feb 2003
Location: New York City
Programs: BA Gold Guest List; HH Diamond; Hyatt Diamond; SPG Gold
Posts: 2,833
? ... A credit limit is simply an indication of how much American Express is willing to lend you. Why should them changing that indication in a positive way be a problem for you? Or is this an obscure credit scoring issue or something?
Feb 8, 2007 | 6:07 pm
#41
Suspended
Join Date: Sep 2004
Location: USA
Programs: UA/CO(1K-PLT), AA(PLT), QR, EK, Marriott(PLT), Hilton(DMND)
Posts: 9,538
I already have more available credit I will ever need and adding to it would only hinder my ability to finance a property project. Hence the
Feb 12, 2007 | 10:27 am
#44
Join Date: Jul 2006
Location: PHL
Posts: 877
People on the Fatwallet forum have tried amounts above $25k with success...but the results are meaningless without knowing the cardholder's income and payment history. Amex will certainly not allow the same maximum credit limit to someone with $30k income and short history as they would to a longtime customer with $300k income and perfect payment history.
It's also not a good idea to overstate your income. I'm not familiar with the applicable laws, but it sounds like that would be considered fraud.
It's also not a good idea to overstate your income. I'm not familiar with the applicable laws, but it sounds like that would be considered fraud.