topic Re: Does AMEX have a 4 card limit? in Credit Cards

Does AMEX have a 4 card limit?

FICOEmpire — Mon, 23 Aug 2021 22:20:18 GMT

I have one AMEX personal credit card and three business cards; no charge cards. Would I be eligible for a fifth total card--a personal card? Thanks.

Re: Does AMEX have a 4 card limit?

coldfusion — Mon, 23 Aug 2021 22:39:36 GMT

At one point AMEX did go to firm-ish 4 credit card limit but they have rescinded that and reverted back to a 5 card threshold.

Not all cardholders will be approved for a 5th credit card but they will also go past the 5 card threshold for their absolute best and high-spend clients.

Re: Does AMEX have a 4 card limit?

SouthJamaica — Tue, 24 Aug 2021 01:38:11 GMT

@FICOEmpire wrote:
I have one AMEX personal credit card and three business cards; no charge cards. Would I be eligible for a fifth total card--a personal card? Thanks.

They used to have a 5 credit card limit, then lowered it to 4, then raised it back to 5. But these limits are for the ordinary folks. As @coldfusion points out, there are some customers Amex just loves, who it seems can have as many cards as they would like

Re: Does AMEX have a 4 card limit?

gingerflower — Tue, 24 Aug 2021 04:19:31 GMT

@FICOEmpire

I have 2 business Cc and 4 personal Cc's total 6

Re: Does AMEX have a 4 card limit?

notmyrealname23 — Tue, 24 Aug 2021 15:46:23 GMT

I'm capped at the moment at AMEX Green + three AMEX credit cards (Hilton Aspire, Bonvoy Brilliant and Delta Gold). This cramps my style a bit, but just a bit.

Re: Does AMEX have a 4 card limit?

SouthJamaica — Tue, 24 Aug 2021 15:50:30 GMT

@notmyrealname23 wrote:
I'm capped at the moment at AMEX Green + three AMEX credit cards (Hilton Aspire, Bonvoy Brilliant and Delta Gold). This cramps my style a bit, but just a bit.

The charge card doesn't count against the limit. You can have 5 credit cards + 1 charge card.

Re: Does AMEX have a 4 card limit?

coldfusion — Tue, 24 Aug 2021 16:22:33 GMT

@SouthJamaica wrote:
@notmyrealname23 wrote:
I'm capped at the moment at AMEX Green + three AMEX credit cards (Hilton Aspire, Bonvoy Brilliant and Delta Gold). This cramps my style a bit, but just a bit.
The charge card doesn't count against the limit. You can have 5 credit cards + ~~1 charge card.~~ 10 charge cards.

Updated.

Re: Does AMEX have a 4 card limit?

PointsBonus — Tue, 24 Aug 2021 17:00:57 GMT

I believe it will be case by case. I believe they use to have a hard limit, but by personal experience, I have personally went beyond the 4 or 5 or 6.

Re: Does AMEX have a 4 card limit?

SouthJamaica — Tue, 24 Aug 2021 18:16:26 GMT

@coldfusion wrote:
@SouthJamaica wrote:
@notmyrealname23 wrote:
I'm capped at the moment at AMEX Green + three AMEX credit cards (Hilton Aspire, Bonvoy Brilliant and Delta Gold). This cramps my style a bit, but just a bit.
The charge card doesn't count against the limit. You can have 5 credit cards + ~~1 charge card.~~ 10 charge cards.
Updated.

I stand corrected Thanks

Re: Does AMEX have a 4 card limit?

notmyrealname23 — Wed, 25 Aug 2021 22:51:33 GMT

@SouthJamaica wrote:
@coldfusion wrote:
@SouthJamaica wrote:
@notmyrealname23 wrote:
I'm capped at the moment at AMEX Green + three AMEX credit cards (Hilton Aspire, Bonvoy Brilliant and Delta Gold). This cramps my style a bit, but just a bit.
The charge card doesn't count against the limit. You can have 5 credit cards + ~~1 charge card.~~ 10 charge cards.
Updated.
I stand corrected Thanks

I gotta love it when AMEX specifically tells me "you're at your limit with your three credit cards and a Green", eventually causing me to have to dump a card (I had to swap a Hilton Amex for a Delta Gold), and myFICO tells me I'm experiencing part of a mass hallucination instead of relating a data point that yes, AMEX can consider a Green to be a charge card.

https://www.doctorofcredit.com/reports-american-express-green-consumer-card-is-considered-a-credit-card-uses-up-a-spot/

https://ficoforums.myfico.com/t5/Credit-Cards/AMEX-Green-Personal-is-a-credit-card-per-DoC-Reddit/td-p/6256957

That is my literal data point up there in a myFICO thread, plus a further data point: I was not approved for the Delta Gold until I dropped a credit card. I had to call into Recon after I cancelled the Hilton Amex.

But anyway... apparently (?) my limit might be five not four, if reports from A Certain Very Naughty Site are correct (linked by DoC). Which is nice since I'm probably not done fiddling with AMEX yet. Though I should probably give it a rest for the rest of 2021.

Re: Does AMEX have a 4 card limit?

FinStar — Wed, 25 Aug 2021 23:20:13 GMT

@notmyrealname23 wrote:
@SouthJamaica wrote:
@coldfusion wrote:
@SouthJamaica wrote:
@notmyrealname23 wrote:
I'm capped at the moment at AMEX Green + three AMEX credit cards (Hilton Aspire, Bonvoy Brilliant and Delta Gold). This cramps my style a bit, but just a bit.
The charge card doesn't count against the limit. You can have 5 credit cards + ~~1 charge card.~~ 10 charge cards.
Updated.
I stand corrected Thanks
I gotta love it when AMEX specifically tells me "you're at your limit with your three credit cards and a Green", causing me to have to dump a card, and myFICO tells me I'm experiencing part of a mass hallucination instead of relating a data point that yes, AMEX can consider a Green to be a charge card.

https://www.doctorofcredit.com/reports-american-express-green-consumer-card-is-considered-a-credit-card-uses-up-a-spot/

The AmEx DPs for your specific situation may be what they are. If AmEx explicitly states that you're capped, then it is what it is. It's fairly possible there may be other individuals in similar situations. This basically says AmEx is only comfortable to lend you X based on your overall profile, income, etc.

As far as anything from AENB stating that the charge cards counts toward a traditional revolver, nothing has been published officially. The DoC article including Reddit DPs are nothing but YEMV results based on specific circumstances (you've cited this particular article in previous threads), but it is nothing official coming from AENB, just anecdotal experiences from others.

That said, as I'm sure you've seen plenty of DPs to yield the contrary for other profiles, I have >10 revolver accounts and several charge cards including the personal and business Green versions. If AENB had such a strict rule, then we'd all be impacted by similar results -- as cited by such article. Fortunately, AmEx hasn't flinched, IME.

Re: Does AMEX have a 4 card limit?

notmyrealname23 — Thu, 26 Aug 2021 01:00:07 GMT

Yeah, I'm cool with my data point is that, a data point applicable to my situation. And it makes sense my personal history with AMEX =! everyone else's. It's kind of annoying to say "uh, I have a data point that confirms some other data points out there" and get told "no, you don't" though. (There's more than that DoC thread and The Site We Cannot Name out there who've encountered this... but I am reluctant to post links since I am a bit shy of violating rules, some of those sites talk about Forbidden Subjects.)

Re: Does AMEX have a 4 card limit?

FinStar — Thu, 26 Aug 2021 01:06:08 GMT

@notmyrealname23 wrote:
Yeah, I'm cool with my data point is that, a data point applicable to my situation. And it makes sense my personal history with AMEX =! everyone else's. It's kind of annoying to say "uh, I have a data point that confirms some other data points out there" and get told "no, you don't" though. (There's more than that DoC thread and The Site We Cannot Name out there who've encountered this... but I am reluctant to post links since I am a bit shy of violating rules, some of those sites talk about Forbidden Subjects.)

Your DPs are still valid since I'm sure other individuals have had similar nuances with the number of cards that AENB can approve based on a profile whether revolvers and/or charge cards. Just as anything, collective DPs help the community be more informed about certain lender's anomalies.

And, thanks for the mindfulness regarding the TOS, because if AENB got wind of any rule violations, who knows, they'll probably reduce your future card collection to 3, or worse...2! 😜🤭

Re: Does AMEX have a 4 card limit?

CarbonCard — Thu, 26 Aug 2021 02:51:10 GMT

@SouthJamaica wrote:
@FICOEmpire wrote:
I have one AMEX personal credit card and three business cards; no charge cards. Would I be eligible for a fifth total card--a personal card? Thanks.
They used to have a 5 credit card limit, then lowered it to 4, then raised it back to 5. But these limits are for the ordinary folks. As @coldfusion points out, there are some customers Amex just loves, who it seems can have as many cards as they would like

That's probably me lol. I already have 6 cards (one business) and they're still soliciting me to get the Plat haha

Re: Does AMEX have a 4 card limit?

CarbonCard — Thu, 26 Aug 2021 02:53:19 GMT

@coldfusion wrote:
@SouthJamaica wrote:
@notmyrealname23 wrote:
I'm capped at the moment at AMEX Green + three AMEX credit cards (Hilton Aspire, Bonvoy Brilliant and Delta Gold). This cramps my style a bit, but just a bit.
The charge card doesn't count against the limit. You can have 5 credit cards + ~~1 charge card.~~ 10 charge cards.
Updated.

That makes more sense then. I have 4 credit, and 2 charge.

Re: Does AMEX have a 4 card limit?

practical1 — Thu, 26 Aug 2021 18:43:54 GMT

Adding my DP, for what it's worth:

Current Set of AMEX cards:

1 Gold Card

2 Personal Bonvoy Credit Cards (old Starwood now Bonvoy, plus Bonvoy Brilliant)

2 Business Bonvoy Credit Cards

Received no pushback when I applied for second Bonvoy Business Credit Card a couple of month's ago.

I am never solicited by AMEX for any new cards -- but periodically for upgrade of Gold to PT. Guessing I'm probably at the limit, but haven't tested it.

Re: Does AMEX have a 4 card limit?

spiritcraft1 — Mon, 13 Sep 2021 16:40:28 GMT

We are furtunate enough to be able to put big spend on most (the Biz Cards) of the above monthly and pay them off. I bet AMEX loves us for that.

The DW has:

(3) Charge Cards, 2 are Biz

(5) Revolvers, 4 are Biz.

All revolvers were approved during Covid. Her new approvals have gone from a $1k Delta Personal (closed after a year) to 20k on number 4 to 25k on her newest Biz card.

I only have 3 Biz revolvers and 2 Biz Charge Cards to date and all were with Sub 700 scores with latest SL at $20k. I am looking forward to my next 2 at an 800+ EX Fico!!! They will likely be all Biz Cards...

Re: Does AMEX have a 4 card limit?

spiritcraft1 — Mon, 13 Sep 2021 16:35:26 GMT

@practical1 wrote:
Adding my DP, for what it's worth:
Current Set of AMEX cards:

1 Gold Card
2 Personal Bonvoy Credit Cards (old Starwood now Bonvoy, plus Bonvoy Brilliant)
2 Business Bonvoy Credit Cards

Received no pushback when I applied for second Bonvoy Business Credit Card a couple of month's ago.

I am never solicited by AMEX for any new cards -- but periodically for upgrade of Gold to PT. Guessing I'm probably at the limit, but haven't tested it.

Did you get Subs on all of those Marriott's?