Is an Amex FR now imminent?

[Anonymous]

Just got instant apporved for simply cash with a 25k line.

Wasn't expecteing a line that high at all.

Other amex cards are everyday perf 6500k

Hilton surpass 4000k

Green card

I'm also about 1 week away from 180 cli request on the everyday.

Is an fr pretty much imminent now? does buisness amounts cross over into personal on that?

[-Cal-]

I think you're fine, enjoy your new card. 

[Anonymous]

Doubt it.

[Anonymous]

only if you plan on making a purchase or purchases up to 25k in the first week of receiving the card

[SuperKirby]

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@Anonymous wrote:

Just got instant apporved for simply cash with a 25k line.

Wasn't expecteing a line that high at all.

Other amex cards are everyday perf 6500k

Hilton surpass 4000k

Green card

I'm also about 1 week away from 180 cli request on the everyday.

Is an fr pretty much imminent now? does buisness amounts cross over into personal on that?

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You do know that 6500K means 6,500,000, and 4000K means 4,000,000. "K" means to add three zero's to the end. Just being technical here 

For a second there I honestly thought you had > million dollar credit line. lmao.

[Anonymous]

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@SuperKirby wrote:

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@Anonymous wrote:

Just got instant apporved for simply cash with a 25k line.

Wasn't expecteing a line that high at all.

Other amex cards are everyday perf 6500k

Hilton surpass 4000k

Green card

I'm also about 1 week away from 180 cli request on the everyday.

Is an fr pretty much imminent now? does buisness amounts cross over into personal on that?

---

You do know that 6500K means 6,500,000, and 4000K means 4,000,000. "K" means to add three zero's to the end. Just being technical here 

For a second there I honestly thought you had > million dollar credit line. lmao.

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[Anonymous]

Business lines can be greater than personal.

[takeshi74]

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@Anonymous wrote:

Is an fr pretty much imminent now?

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We can't tell based solely on what you've provided.  FR's aren't just a matter of credit limits granted but I doubt it's likely that AmEx would grant you a limit and then FR versus FR'ing before granting the limit if they were concerned.  Additionally, it seems like you may be conflating FR and income verification.

[Anonymous]

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@takeshi74 wrote:

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@Anonymous wrote:

Is an fr pretty much imminent now?

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We can't tell based solely on what you've provided.  FR's aren't just a matter of credit limits granted but I doubt it's likely that AmEx would grant you a limit and then FR versus FR'ing before granting the limit if they were concerned.  Additionally, it seems like you may be conflating FR and income verification.

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@Exactly this- What @takeshi74 said.

[NRB525]

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@Anonymous wrote:

Just got instant apporved for simply cash with a 25k line.

Wasn't expecteing a line that high at all.

Other amex cards are everyday perf 6500k

Hilton surpass 4000k

Green card

I'm also about 1 week away from 180 cli request on the everyday.

Is an fr pretty much imminent now? does buisness amounts cross over into personal on that?

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First off, you would not be subject to a Financial Review, but rather a Verification of Income. Both processes use the 4506-T, but the impact on your use of the AMEX cards is entirely different. With the instapproval for the Simply Cash, no, you didn't get the request for the 4506-T for verification of income, so that's not an issue right now.

This action might have some remote possibility of a Verification request, but only if you were able to get to more than $25k in total personal card CL (excluding the Simply Cash). Even this seems doubtful, because it would only put you at $23,500 in personal CL, presuming you asked for the 3x on the EDP. And even at $25k, it seems unlikely that you specifically would get a Verification request, as it depends on how confident they are in the truthiness of the applicant's annual income statement.