@Anonymous wrote:25k is not going to always result in an FR (4506-T). As your limit gets higher, the chance of an FR increases. Some people noticed higher instances of FRs when limits crossed 25k. While we lack sufficient evidence to call 25k the magic number, it is very reasonable to make the assumption that higher limits involve a higher risk of an FR. Frankly, I don't see what the big deal is since an FR is a minor incovenience only and not the scary proposition some people make it out to be (my opinion).
Just wanted to point out that 4506T is not FR. 4506T is income verification with the IRS and no big deal, if you are willing to provide the info. Some are and some aren't. FR is a whole different animal, and my understanding is that if you decline, Amex will close all your accounts. I could be wrong on that last bit.
@CF_Frost wrote:
I always thought the 4506T request was a foregone conclusion
Nope. Emphasis below is mine:
The following often (but not always) are potential reasons why Amex asks for 4506T for a CLI request.
- New requested credit limit exceeds $25,000 for that particular account.
@longtimelurker wrote:
@taxi818 wrote:after all no one ever said it was automatic to be asked for when over 25k. What most are actually saying. is if you don't want to take a chance. its a 99% chance they won't if you don't go over 25k. in other words. its a 50-50 chance if over .
Where does the 50-50 come from?
You didn't know that the bear just flips a coin? 
@Anonymous wrote:When you say 5%, did you mean overall, or just 5% for this cards limit? Sorry if I'm asking too many questions, I'd like to try to follow your footsteps so I can get a nice CLI next year. I just got the card a month ago, I wanna make sure I use it right! Thanks again!
Your entire credit profile matters just as it does with any creditor. Usage isn't going to make or break your CLI on its own. Another common assumption is that "AmEx hates balances" but I received my CLI's while carrying balances on intro offers with both of my cards.
