Will Amex lower my CL?

[Anonymous]

So my Amex is just over a month old and I have run though about $2,000 on it. My limit at approval was $9,400. I am going to go for 25k at CLI - 61 days. Not sure what I will get but will cap at 25k. 

My question is that I am not planning on using it too much going forward...maybe a couple hundred a month...maybe. Do you think Amex would lower my CL for not using anywhere near 25k, assuming they approve that for the CLI. Could I drop below that original approval of $9.4k? I am not going to do anything to spook them nor will I app for anything in the future.

Thoughts?

[Kenny]

No. I mean they always CAN, but I haven't heard too much of them doing it unless you get a FR or something like that.
I have hardly used my amex cards in the past year and the CLs haven't moved down at all.

[noobody]

I would not do a cli to 25K just for the lower utility purpose, it might hurt your chance to get your next card(s). I asked CLD my seldom used BCE from 20k to 2k just for that reason.

[Kenny]

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@noobody wrote:
I would not do a cli to 25K just for the lower utility purpose, it might hurt your chance to get your next card(s). I asked CLD my seldom used BCE from 20k to 2k just for that reason.

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Well sure.. but if you did ever want another Amex it's quite simple to just say that you wanted to transfer your limit over if need be.

[Luscher]

I would never voluntarily CLD myself from 20k to 2k, thats crazy

[s_haliz]

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@Luscher wrote:
I would never voluntarily CLD myself from 20k to 2k, thats crazy

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Agreed. Higher CL will always help and won't hurt. 

[Brax]

I don't see Amex lowering CLs en masse until the next credit crunch or severe reccession happens.

So, may as well have a 25K limit while the economy is "good".

[Anonymous]

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@Luscher wrote:
I would never voluntarily CLD myself from 20k to 2k, thats crazy

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What if you had a compulsive shopping problem you couldn't shake...

[Anonymous]

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@Anonymous wrote:

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@Luscher wrote:
I would never voluntarily CLD myself from 20k to 2k, thats crazy

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What if you had a compulsive shopping problem you couldn't shake...

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Well there is always that....

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Luscher wrote:
I would never voluntarily CLD myself from 20k to 2k, thats crazy

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What if you had a compulsive shopping problem you couldn't shake...

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Well there is always that....

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Or the occasional mental breakdown. Wheeeeeeeeeeeeeee!