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I've read on here that $25K is the ceiling amount Amex typically feels comfortable granting to the average consumer without prompting an FR. My question is, is that an aggregate ceiling or a per card ceiling?

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K

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13 REPLIES 13

IMHO, I can't see that being a per consumer avg.

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891

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My vote is per card!

but I don't know for sure!

Message 3 of 14

I beleive its per card

Message 4 of 14

Per card, anything more is a hard pull from what I have read here

Message 5 of 14

Thanks! I read on one of the posts here that someone had to reduce to limit on one of their Amex carfds in order to get an increase on another....one was $25K and the other was not. They stated that they would have otherwise been required to submit to an FR...

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K

Message 6 of 14

That could have been because of concern with their overall credit limit in ratio to their income. At least that is my theory.

Message 7 of 14

@Anonymous wrote:
That could have been because of concern with their overall credit limit in ratio to their income. At least that is my theory.

That makes sense...

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K

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It's not a per card ceiling. I have a $30K CL on my CostCo TE card - it was originally $20K and about 2 months ago and I had read about the $25K so I thought i would test that so I applied for $10K more online and got it instantly.

FICO: EQ 769, TU 762 , EX ???

Message 9 of 14

@Quips wrote:
It's not a per card ceiling. I have a $30K CL on my CostCo TE card - it was originally $20K and about 2 months ago and I had read about the $25K so I thought i would test that so I applied for $10K more online and got it instantly.

I'm assuming that your income is $100K +?

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K

Message 10 of 14