topic Re: Amex Card Combining in Credit Card Applications

Amex Card Combining

CivalV — Fri, 12 Aug 2022 04:14:40 GMT

If I were to combine my cards to have one card with a solid limit would I be deemed ineligible for an increase on my accounts?

Re: Amex Card Combining

SDMarik — Fri, 12 Aug 2022 13:18:02 GMT

Do you mean trying to combine limits on cards within the same issuer and closing the other cards of that issuer? Or do you plan on leaving some limit on the "other" cards and asking for a CLI?

Most issuers are going to look at your total limit with them across all cards, by transfering buying power to a different card and leaving one with a smaller limit, wont necesarily make it any more likely to get a CLI on that one. That being said, I dont think it will necessarily make it any less likely either. If they deem you ok for the limit, you can probably move it around bewtween different cards with some issuers.

Re: Amex Card Combining

K-in-Boston — Fri, 12 Aug 2022 16:19:37 GMT

@CivalV wrote:
If I were to combine my cards to have one card with a solid limit would I be deemed ineligible for an increase on my accounts?

Reallocating Amex limits (you can do this from one card to another card except for business-to-personal once in 30 days) does not reset cardholder-initiated CLI timers (181 days for approvals, 91 days for declines).

Re: Amex Card Combining

Curious_George2 — Sat, 13 Aug 2022 22:09:40 GMT

@K-in-Boston wrote:
@CivalV wrote:
If I were to combine my cards to have one card with a solid limit would I be deemed ineligible for an increase on my accounts?
Reallocating Amex limits (you can do this from one card to another card except for business-to-personal once in 30 days) does not reset cardholder-initiated CLI timers (181 days for approvals, 91 days for declines).

And the donor card must be at least a year old, right?

Re: Amex Card Combining

coldfusion — Sat, 13 Aug 2022 23:57:01 GMT

@Curious_George2 wrote:
@K-in-Boston wrote:
@CivalV wrote:
If I were to combine my cards to have one card with a solid limit would I be deemed ineligible for an increase on my accounts?
Reallocating Amex limits (you can do this from one card to another card except for business-to-personal once in 30 days) does not reset cardholder-initiated CLI timers (181 days for approvals, 91 days for declines).
And the donor card must be at least a year old, right?

I've seen at least 1 instance before where someone claimed that the donor card was less than a year old but in general the 1 year mininum has been the case.

Re: Amex Card Combining

K-in-Boston — Sun, 14 Aug 2022 22:44:40 GMT

I have not personally had any issues since 2017 with the donor card being under a year old. I have done it with every personal card I have obtained after SPG (now Marriott Bonvoy Brilliant) after meeting the Welcome Offer spending requirement. And it looks like I did it 10 months after account opening when I moved $5000 from Marriott Bonvoy Business to Blue Business Plus. It's possible it may be profile dependent and I seem to be in the "Amex is a little more lenient" category, so YMMV.

Re: Amex Card Combining

nytokyobred79 — Mon, 15 Aug 2022 13:28:42 GMT

@CivalV Which card are you targeting for the newly combined limit? Marriot Bonvoy? Others can correct me if I'm wrong here but, might it be best to move the credit to your low limit Hilton Honors? That card might bucketed with the low SL $1000 and if so, you might have a better chance of CLIs on the others assuming they started off with higher limits and less likely to be bucketed. Of course, card usage and AMEX profile will ultimately be the biggest influence. Good luck!!

Re: Amex Card Combining

SumMischief — Tue, 16 Aug 2022 06:21:13 GMT

@Curious_George2 wrote:
@K-in-Boston wrote:
@CivalV wrote:
If I were to combine my cards to have one card with a solid limit would I be deemed ineligible for an increase on my accounts?
Reallocating Amex limits (you can do this from one card to another card except for business-to-personal once in 30 days) does not reset cardholder-initiated CLI timers (181 days for approvals, 91 days for declines).
And the donor card must be at least a year old, right?

I didn't know this was a thing. I saw posted in here you have the ability to relocate credit limits from one card to another. I gave it a shot on a card that was less than a year old. At the time it was about 6-7 months.