@tbgothard wrote:14 years after BK and I am back in at AmEx. I have a savings account and just added a BCP. I really want the Platinum but with my travel plans and the minimum spend for SUB I am waiting until I can have it for a full year to use all the credits and benefits for a trip in July 2025.
I want to try the 3 month CLI on the BCP which would put me at the end of October. Is it best to ask for the CLI and then try and app for the Platinum? Or app for Plat and then request CLI on current card?
I had seen conflicting replies on Reddit and nobody really had any personal DPs... just assumptions.
ask for the CLI first
all of amex's cards and the limits for those cards go into a giant bucket based on the maximum amount Amex is willing to lend to you at any given time
getting a CLI on the personal card is way more valuable than the higher POT limit you'll get if you app the platinum prior to getting the CLI.
assuming your income/spend/limits are all relatively normal and reasonable, there's no reason to apply for the card first.
@tbgothard wrote:@GZG , I was wondering how the Plat POT limit would play with the revolving CL on the BCP. Thank you so much for your input. I appreciate it.
yeah, there's no DPs of how exactly POT limit plays into the limitation for revolving limits, but POT is completely pointless, disable it the moment you get the card and you might just get 20k MR for enabling it
your ability to spend on the card isn't directly related to your POT limit, the POT limit being just the amount your allowed to revolve on elgible POT purchases, which is pointless and why you should app a CLI before you apply for a charge card
but assuming normal income/spend, you shouldn't even notice it, worst case you get an email kindly asking you to pay early so your card doesn't get declined on future purchases
@tbgothard wrote:14 years after BK and I am back in at AmEx. I have a savings account and just added a BCP. I really want the Platinum but with my travel plans and the minimum spend for SUB I am waiting until I can have it for a full year to use all the credits and benefits for a trip in July 2025.
I want to try the 3 month CLI on the BCP which would put me at the end of October. Is it best to ask for the CLI and then try and app for the Platinum? Or app for Plat and then request CLI on current card?
I had seen conflicting replies on Reddit and nobody really had any personal DPs... just assumptions.
I don't think it matters.
