Frequent Contributor
Posts: 471
Registered: ‎03-29-2011

Maximum Total Amex CL without Financial Documentation

I have heard that the maximum credit line request without financial documentation across all amex accounts is $34,500. One of my cards is at $25,000 and the other at $9,000. Thus, I am just under that supposed limit. Under the six month rule I should be able to request an increase on the 18th and I would like to have the lower account raised to at least $15,000.


Does anyone know if my request will result in Amex asking for documentation of my income?

Frequent Contributor
Posts: 496
Registered: ‎11-13-2012

Re: Maximum Total Amex CL without Financial Documentation

I think I would just call the EO and straight-up ask them.

GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.

Minor vulgarity edit --Rev

Established Contributor
Posts: 1,030
Registered: ‎07-18-2009

Re: Maximum Total Amex CL without Financial Documentation

I've exceeded 70k on my Amex charge. No FR or even request to pay early. This exceeds my total CL on all my LOCs. It may be they are stricter on revolvers.

I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

WM Discover $1800, WF Plat 12k, Chase Freedom Siggy15k, Amex Plat (60k H/B), Citi AA EWMC 25k
Epic Contributor
Posts: 22,066
Registered: ‎10-23-2007

Re: Maximum Total Amex CL without Financial Documentation

I have no idea in 2010- til now if policies have been added or changed for a hard internal limit of max CL's and rather that would be an internal calculator for each person's account portfolio or....

I have seen over $65k with no issues

Much topic has been in past about max amount of cards too... I have seen 3 revolving Personal, 1 charge Personal, 2 Business Revolving and 1 Business Charge.

I have seen an internal limit on charge based off current revolving balances = max charge card charging limit set.

I have seen Charge Card internal limit based off last 3 months "Average of charge card charging.


It has depended on who knows how many variables at the time... maybe Amex, economy, person, history with amex, credit....

they change and evolve all the time, I don't know you would ever get a "Set" in stone thing... even the CLI of 3x MAX and not over $25k.... not much but some have reported getting CLI online up to $30k or $35k.

Similar to that Amex RARELY seems to do auto CLI, usually requested only.


Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+