AMEX Transfer CL Question

[SecretAzure]

---

@K-in-Boston wrote:

Just to clarify again, there is a huge difference between AmEx asking for POI when you request a CLI and an actual Financial Review.  Asking for tax transcripts is just them certifying that your income is real, and it is optional - you can just ask for a lower credit limit increase.  A financial review is not optional and AmEx freezes all of your accounts until it is completed.  I have not read of anyone triggering a FR due to asking for a CLI.  Be late or miss some payments, suddenly hit 90% overall utilization, etc... yes, but CLI no.

---

Thank you for clarifying, I did not know there was a difference but this is all very good to know.

Proof of Income (POI): 

• Can be requested on CLI
• Can be circumvented by requesting a lower limit
• Asking for tax transcripts

Financial Review (FR):

• Can not be triggered on a CLI
• Can not be circumvented by any means
• Freezes your accounts