cancel
Showing results for 
Search instead for 
Did you mean: 

Amex automatically relocated CL from one of existing accounts to new account

tag
Janneman
Valued Contributor

Amex automatically relocated CL from one of existing accounts to new account

I have recently responded to a pre-approved offer for Amex Business Plus card which got instantly approved but CL was only $10k which was kinda unusual since all the Amex cards I have so far have had CL at least $25k....But today I got a mail from them notifying to me that they actually took this $10k CL from one of my existing Amex accounts and relocated to this newly opened account...which is fine with me, but wondering if there is anything I can do to have extra CLI on both of these accounts, the newly opened one and the one that they moved the CL from? Both are business accounts and I am not using the business account with them lately that much...When can I request for CLI safely without any issue? Thanks

Message 1 of 3
2 REPLIES 2
GZG
Senior Contributor

Re: Amex automatically relocated CL from one of existing accounts to new account


@Janneman wrote:

I have recently responded to a pre-approved offer for Amex Business Plus card which got instantly approved but CL was only $10k which was kinda unusual since all the Amex cards I have so far have had CL at least $25k....But today I got a mail from them notifying to me that they actually took this $10k CL from one of my existing Amex accounts and relocated to this newly opened account...which is fine with me, but wondering if there is anything I can do to have extra CLI on both of these accounts, the newly opened one and the one that they moved the CL from? Both are business accounts and I am not using the business account with them lately that much...When can I request for CLI safely without any issue? Thanks


the new account probably won't be elgibile for ~91 days 

 

the old account you can probably? ask now, you just have to see if the option is there 

 

asking for a CLI might lock you out of asking for another CLI on a different card for a period of time, IME, I can ask again much sooner than 91 days on my biz cards than I can on my personal card

 

you can also recallocate between the two biz cards after about a month or so, just keep checking the online tool for when you can access the new card should you want to reallocate

 

as for if you will get the CLI, you might? start hitting a wall where amex is going to need you to show you need it and not give it to you without the requite monthly spend. you'll have to get a denial reason to know for sure.

Starting FICO 8:
Current FICO 8:



4/6, 4/12, 8/24 new accounts
Message 2 of 3
FicoMike0
Valued Contributor

Re: Amex automatically relocated CL from one of existing accounts to new account

I have noticed that amex is total exposure sensitive on personal cards. They went 3X on clis, without much spend, until I hit 45% reported income. 

There may be some similar limit for biz accounts.

Message 3 of 3
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.