+1 Well said! 
Thanks again for restating your original comments. Good luck with your studies and keeping your nose to the grindstone! 
@R3DLINE wrote:In no way do I agree with what Creditscholar said..... in no way was he constructive.
I am in school full time and am working 32 hours a week. There is no way to increase my income at this time.... nor a need to.
AS I HAVE SAID MANY TIMES.... I Never thought I was entitled to a 3x increase..... nor am i mad I was denied.
I was simply telling you guys the situation that happened.
I have also said..... I was planning on actually decreasing my credit myself.... but everybody advises against me closing those two accounts.
Also.... my last 5k in credit I got I did not even ask for.... and now capital one wants to increase me just to keep me.
Its not like im trying extremely hard to get more. But apparently im qualified for it.......
Look at it this way.
The issues CS raised are what a credit analyst most likely would if you tried to appeal that decision.
An analyst would first be curious about why you need this CLI so desperately to the extent that you're even trying to appeal the initial decision.
You said you wanted it for bragging rights. Any analyst probably will have the same or similar reaction as what CS did, though they will not present it that way to you.
Secondly, he did raise legitimate questions. You have a brand new car loan, with 20k income, and yet you're hell bent on trying to get a CLI out of Amex. Any analyst might think this the wrong way and start assuming you're being desperate for credit.
Even if you said you wanted the CLI to finance a purchase, the analyst will probably raise questions about how you were going to finance such a large amount with your limited income.
Anyhow, your credit is in good shape right now. Don't decrease your own credit nor close any accounts for this. Amex isn't going to give you a 5k CLI just because you closed out 5k worth of CL elsewhere. It doesn't work this way. Most people gain less CL compared to the accounts they closed. Keep whatever you have, unless you absolutely have zero need for that account. The CLIs will come in time on their own, especially after your income goes up. A lot of people wish they can be in your situation when they're in their early 20s. Best of luck!
It's a pretty bad assumption to think that a 21 year old person thinks he/she "knows it all." We're not stupid. (well, not all of us! 
) Alot of young people are a hell of a lot smarter than people in their 30s and 40s, I see it everyday. So I think to judge a young person and say they should "need" the credit they have at a young age with lower income, is just inappropriate. Props to OP for obtaining what you have at a young age. I know, and you know, that 10-20 years later, you'll be thanking yourself for being smart at this age. I know I will! At the end of the day, it doesn't even matter how much credit you have extended yourself, all that matters is that you spend within your means, and don't start carrying balances for unneeded purchases. Self-discipline is all that is needed.
Keep on rockin!
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Amex really does not recon. If your cr they pulled was incorrect, they will ask you to fax over a corrected cr and it may be reviewed.