Should I try for a AmEx 3x CLI?

[Anonymous]

I currently have about 140k total credit limit.  My AmEx Everyday is limited to $20k.  Ive had it for a couple years now.  It's carried a balance for most of its life because the 0% APR promo but i kept a balance on it due to Covid and keeping liquid cash rather than paying it off.  I know, raw deal with the interest but it could have been worse.  It's paid down to $1500 now.  Should i request for the 3X CLI now or should i pay it off first.  Current score is 780, $170-180k yearly, no derogs over 10 years.

Also, as a side question, which card companies offer a nice and large starting limit similar to my Lowe's $50k?  Looking to pad my utilization since i can sometimes incur $20-30k in spending in a month which in turn will be paid down within one, two, three months.

[thornback]

There's no harm in trying now. Worst case scenario is you get denied and have to wait 91 days to request again...

As for other high starting limit issuers - I'll leave it for others chime in...

[coldfusion]

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Payment history with AMEX is important and since per your own words you've been carrying a balance (vs. letting balances report with subsequent PIF) for most of that cards' life IMO you are probably better off paying it off before asking for a CLI.

As for which cards actually extend $50K and above starting limits you can search the Approvals section for emperical evidence and off the top of my head I can point you to the co-branded Avianca, Andrews Titanium, and UNFCU Elite cards.  However, given that you have $140K in total CL and your recent history of carrying balances I don't know how good your odds would be of successfully achieving that level of starting limit.