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AMEX everyday card

gu_ran123
New Visitor

AMEX everyday card

I already have bluecash with 30k limit . Applied for this got approved for 15 k however credit limit for blue cash was reduced to 15k immediately when checked online. Any idea why my limit on blue cash was reduced?

Message 1 of 14
13 REPLIES 13
pinkandgrey
Community Leader
Senior Contributor

Re: AMEX everyday card

Amex sometimes reallocates money in order to approve another card. You might be close to your current maximum with them. 

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Fidelity Visa: 2k
Apple Card: 1.5k
Message 2 of 14
CreditInspired
Super Contributor

Re: AMEX everyday card

Hi OP and welcome.

 

It sounds like you have met your internal maximum credit limit with AmX and since they wanted to approve the everyday card, they just reallocated funds from the blue to the everyday.


|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $7K || BOA CashRewards $6K
Message 3 of 14
CreditInspired
Super Contributor

Re: AMEX everyday card


@pinkandgrey wrote:

Amex sometimes reallocates money in order to approve another card. You might be close to your current maximum with them. 


Wow, our answers are identical :-) and typed almost simultaneously. 


|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $7K || BOA CashRewards $6K
Message 4 of 14
pinkandgrey
Community Leader
Senior Contributor

Re: AMEX everyday card


@CreditInspired wrote:

@pinkandgrey wrote:

Amex sometimes reallocates money in order to approve another card. You might be close to your current maximum with them. 


Wow, our answers are identical :-) and typed almost simultaneously. 


Great minds and all that 😂

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Fidelity Visa: 2k
Apple Card: 1.5k
Message 5 of 14
gu_ran123
New Visitor

Re: AMEX everyday card

thanks for the anwers. I had 30K limit on the bluecash with 5k balance . Can we ask for limit increase on the old card and get approved?

Message 6 of 14
ImTheDevil
Community Leader
Super Contributor

Re: AMEX everyday card

You can make requests with 180 days between CLIs. If your request would put you over what AmEx is comfortable extending, they’ll counter or deny.


Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | FNBO Evergreen | PenFed PCR | PenFed Gold | Navy cashRewards | Navy Platinum | Apple | Wells Fargo Active Cash | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





Message 7 of 14
NRB525
Super Contributor

Re: AMEX everyday card

How long have you had the first AMEX?
Have you ever requested a CLI on that card? If so when?
High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
Message 8 of 14
FlaDude
Established Contributor

Re: AMEX everyday card


@gu_ran123 wrote:

I already have bluecash with 30k limit . Applied for this got approved for 15 k however credit limit for blue cash was reduced to 15k immediately when checked online. Any idea why my limit on blue cash was reduced?


These numbers are close to mine, except they gave me $19.5 on the ED and reduced my Blue by $16k from 31k. The Blue is PIF with only small periodic charges over the last 6 months. The funny thing is I app'ed the Delta Gold card a couple of weeks later and they gave me $10k on that without taking it from any other cards. I have no idea what a CLI request will get you, but I'd be interested in hearing back if you try it.

Scores: March 21 FICO 8: EX 810, TU 808, EQ 813
AoOA: closed: 36 years, open: 25 years; AAoA: 11.8 years
Amex Gold, Amex Green, Amex Blue, Amex ED, Amex Delta Gold, Amex Hilton Surpass, BoA Platinum Plus, Chase Freedom Unlimited, Chase Amazon, Chase CSP, Chase United Explorer, Citi AA Plat, Sync Lowes, Sync JC Penney - total CL 145k
Loans: Chase car loan (35k/6yrs 0.9%)
Message 9 of 14
gu_ran123
New Visitor

Re: AMEX everyday card

its been 4 years that i had my first AMEX. There was a targeted CLI email this december which i accepted on bluecash ,taking the total limit to 30K. 

Message 10 of 14
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