AmEx CLI Denial

[Varsity_Lu]

This is just info for those working to raise their AmEx credit limits. I have $20k BCE and $17k Hilton cards. Asked for $30k ($50k total between 2 cards) on my Hilton 3 months ago and they asked for income verification. I provided bank statements, but was denied with no counter offer.

Button went blue again today, so I asked for $20k ($40k total between 2 cards) on my Hilton and was denied with no counter offer.

My cards grew super fast the first year, but haven't grown since.  Still, I have $37k of credit with AmEx, and I don't really need more, but I thought I'd at least ask and see.

[Jnbmom]

@Varsity_Lu 

Bummer I wonder if it  is total exposure with them or total exposure with  profiles I can't get anything more from them nor dh these days .

Of course they always tell me inquiries and new accounts (guilty as charged ) but I am beginning to wonder.

[Copenix]

That's annoying. But you still have good CL's with them. So that's atleast something. Maybe as your accounts age and your spend increases they will be more accomodating.

[dfwxjer]

strange that they won't budge on that CL

If you don't mind me asking, what's the reported annual income, and did your bank statements support what you told them? 

[Gregory1776]

I think I'm at the limit with them as well @Varsity_Lu , just opened a new account Delta SkyMiles, with a pretty low limit (5K)
I intend on using it for the categories I'll earn miles in, get all the credits, monthly/annually, at the very least to justify it. 
I may move 1,500 from my everyday sometime this year after flight or two to help with utilization(?) which I don't intend on allowing to report a balance, if and when I've used it enough (1-2K) through it a few months a year I'm going to try and bump it to 19.5k.

I haven't been able to get a large increase in years. Usage on BCP is essentially the categories.

[FicoMike0]

My last request was $3000 to $9000 on Hilton, I got $5900. With my bcp that puts me at 45% reported income. I don't spend much on Hilton, more on bcp. Next time it's blue, I'll try bcp cli, see if I get anything. Maybe get to 50%.

[high-flyer]

Where do I find this big blue button?

I have the Amex Hilton Honors since April 2025 with $1000 starting limit that I would like to increase. I have been with Amex since 1986 and currently use my Amex Delta Skymiles Reserve card for everything with a $75k limit. 

Current credit scores hovering around 720 and climbing with a 40% credit utilization...

Thanks. 

[Yasselife]

That’s frustrating when you’ve got such strong scores and a solid history with AmEx. Sounds like they’re just being conservative right now, especially since you’re already at $37k total credit with them. Even though you don’t really need more limit, it never hurts to try; at least now you know where you stand. Maybe with more time or heavier usage on the Hilton, they’ll be more open to an increase.