Hello and Merry Christmas folks. In approx a month I'm eligible for my next 6 mo. CLI from AMEX and I finally want to get the limit on my ED card up from the original $1K SL. Thing is I also have a $30K BCE. Should I: A--Request a $34.5K limit on BCE (don't want to do the 4506T thing) and transfer some of it ($4K is the amount I had in mind) over to the ED to make it $5K? ....or B--Just try for the 3x $1K on the ED? I'm leaning toward A b/c in 6 more mos. it would set me up for a possible $15K CL vs. a $9K CL on the ED. What do you think? BTW-the APR on my ED is 13.74--about 7% lower than BCE.
BUSINESS 
@Anonymous wrote:I would go for the 3X CLI on the second card to get it up to $3K and then ask them to take $5K from the other card. Then you'd have an $8K card and a $25K card. I personally feel that anything over $25K is overkill. Then in 6 months, you could get the $8K card up to $24K (if Amex feels your income and score warrant it).
I know that is not what you are leaning towards and others will disagree with me but that is what I would personally do.
+1 Great strategy. AMEX has a soft internal cap of $35k before you get in FR territory (which you do not want). EDIT: Read my correction below as my brain was too foggy when I originally wrote this. 
@RicHowe wrote:
@Anonymous wrote:I would go for the 3X CLI on the second card to get it up to $3K and then ask them to take $5K from the other card. Then you'd have an $8K card and a $25K card. I personally feel that anything over $25K is overkill. Then in 6 months, you could get the $8K card up to $24K (if Amex feels your income and score warrant it).
I know that is not what you are leaning towards and others will disagree with me but that is what I would personally do.
+1 Great strategy. AMEX has a soft internal cap of $35k before you get in FR territory (which you do not want).
Thanks for the replies. Interesting you both say that because in a way that was my original strategy--but I figured once I got that $30K limit I'd keep it there so other banks would see I can handle a limit like that responsibly and possibly match it or top it--and it worked. Just recently my B of A Cash Rew. was increase to $30K also. That and the BCE are now my two highest limits. I don't ever plan on going past $35K on a single AMEX card. And I'd probably have to do something really crazy at this point to get called out with a FR...like miss a lot of payments, or max out cards, or add 15 new accts in a year-etc. IOW I've never seen AMEX do a FR without some kind of red flag behavior. Just having high CLs by itself doesn't fall into that category IMO-but thanks for warning me about that possiblity
@RicHowe: They might ask for a 4506T form or some other POI at or after the $35K mark--but not automatically do a FR. Those are two VERY different things from what I've read here on the forum.
@Credit-hoarder wrote:@RicHowe: They might ask for a 4506T form or some other POI at or after the $35K mark--but not automatically do a FR. Those are two VERY different things from what I've read here on the forum.
Indeed, I corrected my post above yours. Too early for me on Christmas 