topic Re: Amex Revolver Limit? in Credit Cards

Amex Revolver Limit?

credit_is_crack — Mon, 23 Sep 2019 01:15:01 GMT

So I’ve read in a couple spots that Amex has a limit of 4 revolvers, but I’ve also seen some posts of folks getting 5, 6 and even 7.

I have 4 revolvers now (BBP, BCP, Biz Prime and Schwab) plus 2 charge (Schwab Plat and Gold). I’d like to snag up the Bonvoy Brilliant to replace my Ritz-Carlton but not sure if I’d get an instant denial.

Anyone know how soft that 4 revolver limit is?

Re: Amex Revolver Limit?

Brian_Earl_Spilner — Mon, 23 Sep 2019 01:16:46 GMT

They draw a line at 5 revolvers, but you can definitely get more. Just ask @Anonymous @K-in-Boston and @FinStar

Re: Amex Revolver Limit?

credit_is_crack — Mon, 23 Sep 2019 01:18:17 GMT

Good to know. I’m pretty sure profile density and income really weight in after their “general public” limit but wasn’t sure where it was. Thanks!

Re: Amex Revolver Limit?

CreditCuriosity — Mon, 23 Sep 2019 01:24:05 GMT

No true limit, but for most people the real limit is 5 revolvers use to be 4, but has been 5 for awhile. With that said if you are high income and scores there really is no limit as I know several people with 8-10 cards on this board being all revolvers from Amex/Centurion bank. If you ask them(amex) they say there is no limit it is what your profile supports aka income, etc. I have always personally been stuck at 5 along with most others. Few outliers such as @Mahraja and @FinStar and alot others certainly break this mold .

Re: Amex Revolver Limit?

Brian_Earl_Spilner — Mon, 23 Sep 2019 01:19:14 GMT

We just had this conversation in garden club. Think fin has 10 or 12

Re: Amex Revolver Limit?

K-in-Boston — Mon, 23 Sep 2019 01:26:04 GMT

Certainly no true limit if your profile supports it as others stated. Keep in mind you would need to close your Ritz-Carlton for 30 days prior to applying and you will lose one of the few remaining “real” Visa Infinite cards, along with the $100 airline credit that comes with it. Ritz-Carlton is the one card I truly regret not picking up.

Re: Amex Revolver Limit?

credit_is_crack — Mon, 23 Sep 2019 01:25:54 GMT

@CreditCuriosity, yeah I think we can comfortably agree that @FinStar and @Mahraja make up that .02% that can venture into that territory. I don’t foresee myself getting 6 or more but stranger things have happened.

Re: Amex Revolver Limit?

Brian_Earl_Spilner — Mon, 23 Sep 2019 01:27:32 GMT

I just noticed your cards are ordered by color.

Re: Amex Revolver Limit?

credit_is_crack — Mon, 23 Sep 2019 01:29:23 GMT

@K-in-Boston I'm with you there. I’ve used the $100 airline credit several times and it’s very useful, but haven’t been venturing to Ritz properties. But it’s pretty much free after I use up the annual certificates, free night and airline credits.

The Bonvoy would essentially pay for itself too with the $300 property credit and free night so I’ve been contemplating to move it from Chase to Amex or keep it as is.

Re: Amex Revolver Limit?

CreditCuriosity — Mon, 23 Sep 2019 01:32:57 GMT

My one regret is cancelling my Ritz card and not being able to get it back prior to them closing up new applications. I wouldn't close it if I were you. Didn't read that portion of the post. Nothing quite matches the Ritz card for various reasons, not the best earning card, but other cool perks and as mentioned it is a true "infinite" card

Re: Amex Revolver Limit?

credit_is_crack — Mon, 23 Sep 2019 01:34:37 GMT

@Brian_Earl_Spilner, yeah a couple drinks can really fuel my OCD lol

Re: Amex Revolver Limit?

Brian_Earl_Spilner — Mon, 23 Sep 2019 01:38:01 GMT

@credit_is_crack wrote:
@Brian_Earl_Spilner, yeah a couple drinks can really fuel my OCD lol

Unfortunately, a few drinks fuels my credit seeking behavior.

Re: Amex Revolver Limit?

credit_is_crack — Mon, 23 Sep 2019 01:45:55 GMT

@Brian_Earl_Spilner wrote:
@credit_is_crack wrote:
@Brian_Earl_Spilner, yeah a couple drinks can really fuel my OCD lol
Unfortunately, a few drinks fuels my credit seeking behavior.

Oh I'm no stranger to that..speaking of credit seeking behavior, looks good so far Gonna noodle on it before I decide to jump on it

Re: Amex Revolver Limit?

Brian_Earl_Spilner — Mon, 23 Sep 2019 01:57:22 GMT

@credit_is_crack wrote:
@Brian_Earl_Spilner wrote:
@credit_is_crack wrote:
@Brian_Earl_Spilner, yeah a couple drinks can really fuel my OCD lol
Unfortunately, a few drinks fuels my credit seeking behavior.
Oh I'm no stranger to that..speaking of credit seeking behavior, looks good so far Gonna noodle on it before I decide to jump on it

I wish they would pre-approve me for bonvoy, but I think they're making me wait a full year. Unfortunately, I need it now for the week after I hit a full year.

Re: Amex Revolver Limit?

CreditCuriosity — Mon, 23 Sep 2019 02:00:07 GMT

As @K-in-Boston said please keep in mind the following or will be denied I believe although pre-approved for card as Marriott share info between two lenders. Pulled this from the points guy, but believe still valid

https://thepointsguy.com/guide/eligibility-chart-marriott-bonvoy-cards/

Re: Amex Revolver Limit?

K-in-Boston — Mon, 23 Sep 2019 02:13:53 GMT

Yes, it's still a very valid chart. (One of those things TPG does really well.) You can be approved for the card, but if Marriott tells Amex that you already have the Chase, you can kiss that 75k bonus goodbye.

Re: Amex Revolver Limit?

credit_is_crack — Mon, 23 Sep 2019 02:15:36 GMT

@CreditCuriosity wrote:
As @K-in-Boston said please keep in mind the following or will be denied I believe although pre-approved for card as Marriott share info between two lenders. Pulled this from the points guy, but believe still valid

https://thepointsguy.com/guide/eligibility-chart-marriott-bonvoy-cards/

Thanks! This is definitely interesting to have to navigate thru. So is this talking about the SUB exclusively or would I be auto-denied the Amex Bonvoy because my Ritz is still open (or was open within the last 30 days)? Don't want to give up a SUB but I just assumed I wouldn't get one since I snagged up the SUB on my Business Marriott in Mar 2018.

Unless I'd have to

Close the Ritz and wait 30 days (+)
Wait until April 2020 to apply

Then I'd be eligible for the SUB again

Re: Amex Revolver Limit?

CreditCuriosity — Mon, 23 Sep 2019 02:17:57 GMT

I will defer question to @K-in-Boston as he keeps up with marriott alot more than myself or another person on the forum. Not pesonally sure if they would deny the bonus or the card as a whole or whatever else. Hopefully he can shed some light on this

Re: Amex Revolver Limit?

Anonymous — Mon, 23 Sep 2019 02:55:16 GMT

I have 6 revolvers, and the last 4 were double approvals 90 days apart. The 5 card rule is not true at all, as there are plenty of memebers here with alot more than that. It's based on your profile and what Amex feels comfortable giving you. With what you show in your siggy, i'd say you have as good a chance as i did to snag more than the "so called" 5 revolver limit. as always YMMV.

Look forward to hearing of your success when you do

*edited* Late to the party again. Congrats are in order

Re: Amex Revolver Limit?

K-in-Boston — Mon, 23 Sep 2019 03:24:14 GMT

You would only be denied the Welcome Offer. You would be eligible for the Welcome Offer if your Ritz-Carlton were closed for at least 30 days prior to applying. Having other cards in the Marriott family would make for different rules. Without the Welcome Offer, I’m not sure it would make sense at all to basically swap the cards but certainly having both cards can be lucrative just for the certificates and credits.