Requested a 3X cli from Amex from $7,000 to $21,000 and the reason was overal debt. Must’ve been my student loans which is about $150k. My utilization is less that 5% and I PIF each month.
It was for the BCP which initially gave me a limit of $2k but I moved $5k from my Delta Plat. Looks like I won’t be getting a CLI from them anytime soon unless I win the lottery lol
All of this is odd because I was approved for a BBP biz card with a revenue of $10k and they gave me a $20k limit. Guess they base that more on business revenue but they looked at the same credit report.