Amex Maximum Exposure?

[EW800]

Hello Friends,  

Just wondering if anyone knows what Amex is considering the maximum exposure these day where a FR could be an issue.  I have two cards with them, Optima at $15.5K and ED at $12K, for a total of $27.5K.  I should be able to put in for an increase in the next few days.  I assume that Amex looks at both accounts combined?  If so, what value is it best to remain under?  

Thanks!  

[Anonymous]

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@EW800 wrote:

Hello Friends,  

Just wondering if anyone knows what Amex is considering the maximum exposure these day where a FR could be an issue.  I have two cards with them, Optima at $15.5K and ED at $12K, for a total of $27.5K.  I should be able to put in for an increase in the next few days.  I assume that Amex looks at both accounts combined?  If so, what value is it best to remain under?  

Thanks!  

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There is no answer to your question other than it varies per person based on credit file, income, assets, use and payment per person.

[kdm31091]

There's no magic number someone can tell you to stay under. As Irish said, it's based on profile, history, income, etc. So taking a poll isn't really going to work.

You should just use your common sense. If the increases are going to put your credit limits way, way above your income, then maybe think twice, especially if we're talking 2 or 3 times your income. Opinions vary on whether that's "okay" or not and many have well more than their income in credit but if you want to be more cautious that's what I would avoid.

[Anonymous]

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@kdm31091 wrote:

There's no magic number someone can tell you to stay under. As Irish said, it's based on profile, history, income, etc. So taking a poll isn't really going to work.

You should just use your common sense. If the increases are going to put your credit limits way, way above your income, then maybe think twice, especially if we're talking 2 or 3 times your income. Opinions vary on whether that's "okay" or not and many have well more than their income in credit but if you want to be more cautious that's what I would avoid.

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OP is just asking a question and it does not mean they are not using their common sense.  This is why the board is here to help him/her and also answer question they are unsure off.

[ibmrad7]

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@kdm31091 wrote:

There's no magic number someone can tell you to stay under. As Irish said, it's based on profile, history, income, etc. So taking a poll isn't really going to work.

You should just use your common sense. If the increases are going to put your credit limits way, way above your income, then maybe think twice, especially if we're talking 2 or 3 times your income. Opinions vary on whether that's "okay" or not and many have well more than their income in credit but if you want to be more cautious that's what I would avoid.

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 It's a legit question. I am sure in your 100 pages of history you might have asked tons of questions where "common sense" might have helped.

[Anonymous]

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@EW800 wrote:

Hello Friends,  

Just wondering if anyone knows what Amex is considering the maximum exposure these day where a FR could be an issue.  I have two cards with them, Optima at $15.5K and ED at $12K, for a total of $27.5K.  I should be able to put in for an increase in the next few days.  I assume that Amex looks at both accounts combined?  If so, what value is it best to remain under?  

Thanks!  

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@EW800,

@Anonymous @Anonymous said, it will all come down to your history and profile with Amex.  Some have been successful going over while others haven't. 

[EW800]

Thanks very much, all!  

[kdm31091]

Sorry, evidently my comment came off incorrectly. I didn't mean "use your common sense" in a snide, snooty way like it may seem. I just meant that OP should assess the situation as to how much credit they can have with a lender. Your income is the first step. Then decide what you're comfortable with as far as credit vs income. Then decide how comfortable you think Amex may be with a certain amount etc.

I wasn't trying to be rude. Just saying they should use their judgement.

[longtimelurker]

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@kdm31091 wrote:

Sorry, evidently my comment came off incorrectly. I didn't mean "use your common sense" in a snide, snooty way like it may seem. I just meant that OP should assess the situation as to how much credit they can have with a lender. Your income is the first step. Then decide what you're comfortable with as far as credit vs income. Then decide how comfortable you think Amex may be with a certain amount etc.

I wasn't trying to be rude. Just saying they should use their judgement.

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+1   While I have had differences with kdm over tone in the past, this seemed a perfectly reasonable statement that wasn't aimed at the poster at all.

[red259]

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@kdm31091 wrote:

Sorry, evidently my comment came off incorrectly. I didn't mean "use your common sense" in a snide, snooty way like it may seem. I just meant that OP should assess the situation as to how much credit they can have with a lender. Your income is the first step. Then decide what you're comfortable with as far as credit vs income. Then decide how comfortable you think Amex may be with a certain amount etc.

I wasn't trying to be rude. Just saying they should use their judgement.

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+1 Yes, this is exactly what I understood the post to mean. Definetly did not think it was kdm's intention to come across snide or anything of that nature and for what it is worth it didn't come across that way to me at all to begin with.