AMEX - Combined credit limits between products

[dollar_bill]

I've had the Costco TE card for sometime, with an 18k limit. Yesterday I decided I wanted the BCP for the 6% cash which will work great with my spending not to mention they are running a nice little promo ... applied and got an instant approval for 14k, and now I have a total of 32k credit with AMEX.  Today, I log in and look at my TE card and they reduced my limit to 10.3k, knocking my total CL down to 24.3k.  It's not a big deal but I figured I'd share it I know people like to track AMEX behavior around here. 

[Anonymous]

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@dollar_bill wrote:

I've had the Costco TE card for sometime, with an 18k limit. Yesterday I decided I wanted the BCP for the 6% cash which will work great with my spending not to mention they are running a nice little promo ... applied and got an instant approval for 14k, and now I have a total of 32k credit with AMEX.  Today, I log in and look at my TE card and they reduced my limit to 10.3k, knocking my total CL down to 24.3k.  It's not a big deal but I figured I'd share it I know people like to track AMEX behavior around here. 

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Strange that they would do that without letting you know ahead of time.  Maybe you would have selected a different distribution of CLs.  It is AE so you never know what they are going to do.

[techiegirl]

They did that with me when I applied for the everyday card last year and DH when he applied for the BCP.

If you dare (4506-t and all), you can request a CLI on your TE. It just needs to be 6 months since your last TE increase.

[NRB525]

So there's that rumored $25k "easy limit" again. Good to know, both another data point about the limit and AMEX willingness to CLD without warning to maintain the $25k.

Thanks for sharing.

[ojefferyo]

This is interesting

[dollar_bill]

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@techiegirl wrote:
They did that with me when I applied for the everyday card last year and DH when he applied for the BCP.

If you dare (4506-t and all), you can request a CLI on your TE. It just needs to be 6 months since your last TE increase.

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Yup, I think i'll pass and just keep the limits where they are. Honestly it's more credit than i'll use unless I go on a vacation which isn't on the horizon!