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AMEX everyday card

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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
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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
Best Buy Visa: 3k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 2 of 14
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Community Leader
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.


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 3 of 14
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Community Leader
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. 


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 4 of 14
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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
Best Buy Visa: 3k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 5 of 14
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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
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Community Leader
Senior 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 | PenFed PCR | 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)





TCL $95,400 | Agg. Util under 5%
Message 7 of 14
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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
Message 8 of 14
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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: Spt 20: EX FICO8 831, TU FICO8 828, EQ FICO8 823
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 Slate, Chase Amazon, Chase CSP, Citi AA Plat, Sync Lowes, Sync JC Penney - total CL 145k
Loans: Prosper (20k/3yrs 7.14%), Lending Club (10k/3yrs 5.89%), Chase car loan (35k/6yrs 0.9%)
Message 9 of 14
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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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