AMEX Credit Card limit questions

[PointsBonus]

@cashorcharge  I am sorry ! Lol Maxed out meaning I am maxed out at 6 Credit Card "soft limit" not the balances on the credit cards. 
Sorry ! 

[FinStar]

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@PointsBonus wrote:

@cashorcharge @FinStar 

I am confused on the "paid down" part ? 
all my AMEX are PIF even the Credit Card

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I didn't think your accounts were maxed out balances-wise.

My comment was in reference to the highlighted/bolded piece for AmEx revolving accounts regardless of what or how many entities you create. AmEx uses personal guarantees unlike some business lenders that allow the company or entity as the guarantor -- depending on business structure. 

So, will they allow you a 7th one? Well, that remains to be seen whenever you decide to pull the trigger ☺️

[RehabbingANDBlabbing]

Currently, I have these AmEx cards:

Personal Platinum

Personal Delta Reserve

Delta Platinum Business

Amazon Prime Business

Bonvoy Business

Hilton Business

Blue Business Plus

Business Gold

That's 8 cards total, with 6 being revolvers. I've had a lot easier time getting the business cards versus the personal ones. I think the limit of 6 is probably on revolvers, but I think the Blue Business Plus may or may not count because it's technically NPSL.

[FinStar]

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@RehabbingANDBlabbing wrote:

Currently, I have these AmEx cards:

Personal Platinum

Personal Delta Reserve

Delta Platinum Business

Amazon Prime Business

Bonvoy Business

Hilton Business

Blue Business Plus

Business Gold

That's 8 cards total, with 6 being revolvers. I've had a lot easier time getting the business cards versus the personal ones. I think the limit of 6 is probably on revolvers, but I think the Blue Business Plus may or may not count because it's technically NPSL.

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@RehabbingANDBlabbing - the revolving soft limit typically falls between 5 or 6 for plenty of folks (depending on the profile). I've crossed that threshold into 15+ pure revolvers (personal and business).

The Blue Business Plus is a business revolving account, not NPSL (T&C's doesn't state it's NPSL). Not sure if you're mixing that with the Plum Card.

https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-blue...

[RehabbingANDBlabbing]

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@FinStar wrote:

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@RehabbingANDBlabbing wrote:

Currently, I have these AmEx cards:

Personal Platinum

Personal Delta Reserve

Delta Platinum Business

Amazon Prime Business

Bonvoy Business

Hilton Business

Blue Business Plus

Business Gold

That's 8 cards total, with 6 being revolvers. I've had a lot easier time getting the business cards versus the personal ones. I think the limit of 6 is probably on revolvers, but I think the Blue Business Plus may or may not count because it's technically NPSL.

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@RehabbingANDBlabbing - the revolving soft limit typically falls between 5 or 6 for plenty of folks (depending on the profile). I've crossed that threshold into 15+ pure revolvers (personal and business).

The Blue Business Plus is a business revolving account, not NPSL (T&C's doesn't state it's NPSL). Not sure if you're mixing that with the Plum Card.

https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-blue...

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I say it's technically NPSL because you can spend above the limit they have for the account, but the stipulation is that anything above the limit must be paid in full that month. So it's kind of a hybrid product in that regard. But it's not a standard NPSL charge card like the Plum, Green, Gold, etc. But your established limit isn't necessarily your full limit either.

[FinStar]

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@RehabbingANDBlabbing wrote:

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@FinStar wrote:

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@RehabbingANDBlabbing wrote:

Currently, I have these AmEx cards:

Personal Platinum

Personal Delta Reserve

Delta Platinum Business

Amazon Prime Business

Bonvoy Business

Hilton Business

Blue Business Plus

Business Gold

That's 8 cards total, with 6 being revolvers. I've had a lot easier time getting the business cards versus the personal ones. I think the limit of 6 is probably on revolvers, but I think the Blue Business Plus may or may not count because it's technically NPSL.

---

@RehabbingANDBlabbing - the revolving soft limit typically falls between 5 or 6 for plenty of folks (depending on the profile). I've crossed that threshold into 15+ pure revolvers (personal and business).

The Blue Business Plus is a business revolving account, not NPSL (T&C's doesn't state it's NPSL). Not sure if you're mixing that with the Plum Card.

https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/american-express-blue...

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I say it's technically NPSL because you can spend above the limit they have for the account, but the stipulation is that anything above the limit must be paid in full that month. So it's kind of a hybrid product in that regard. But it's not a standard NPSL charge card like the Plum, Green, Gold, etc. But your established limit isn't necessarily your full limit either.

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Any AmEx CC can be used over the limit (as approved internally), so it's not exclusive to just the BBP credit card nor is it a "hybrid product". AmEx doesn't "technically" define that particular card as anything hybrid (or any revolver for that matter) or as NPSL either. 

Regardless and back on topic, the OP was curious about the number of revolvers or maximum limit and the BBP is a revolving credit card, it is not part of the Green, Gold, Platinum, Plum, ZYNC, Centurion types of cards. There is no "hybrid" classification for BBP.

[Slipperyslope2045]

Really?  I have 10 Amex cards. Score is 678 but I have been a customer since 2006. 

[LP007]

Gotta trust the science. 😅