AMEX Revolver Credit Limits

[Aim_High]

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@CreditCuriosity wrote:

Although not in business section I would look at seeing if any of their business card suits your need.  No AAoA hit, never got to worry about utilization, etc..  I see you have a business card and they have many no AF cards that i personally have started out in the 20k range on most of them and can obviously grow into beasts.  Something to consider if you like their business offerings.  I use the snot out of my Amazon Amex business and BBP.

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Thanks, @CC.  I got the one Chase INK business card based on a very small sole proprietorship but have really discounted other business offerings.  (It had an awesome 80K UR point SUB.)  Maybe I'm too concerned about it, but I know they all say you're supposed to use them for BUSINESS purposes only.  I know a lot of people get BBP and then solely use if for personal use, it appears.  I don't want to open myself up to getting it shut down, should they decide to enforce the rules.  I have heard, though, that AMEX is pretty loose about business-personal use of its' cards.   Is that your understanding?  Also, Chase was pretty strict getting the underwriting approval on that INK card. 

[Aim_High]

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@pinkandgrey wrote:

BCE started at 2k. It grew to 18k in about 9 months I believe. 

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Wow, monster growth in 9 months! 

That's like a baby!  Lol 

Congrats on that!

*Is your BCE a boy or girl? 

[MrDisco99]

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@pinkandgrey wrote:

BCE started at 2k. It grew to 18k in about 9 months I believe. 

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Makes sense... tripled after 2 months and then tripled again after another 6 months, right?

[Aim_High]

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@MrDisco99 wrote:

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@pinkandgrey wrote:

BCE started at 2k. It grew to 18k in about 9 months I believe. 

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Makes sense... tripled after 2 months and then tripled again after another 6 months, right?

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I heard about the 3x CLI (possibility) but thought that was a "one-time-good-deal." 

I didn't know it was typical at both the 2 month and 6 month point??

[CreditCuriosity]

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@Aim_High wrote:

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@CreditCuriosity wrote:

Although not in business section I would look at seeing if any of their business card suits your need.  No AAoA hit, never got to worry about utilization, etc..  I see you have a business card and they have many no AF cards that i personally have started out in the 20k range on most of them and can obviously grow into beasts.  Something to consider if you like their business offerings.  I use the snot out of my Amazon Amex business and BBP.

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Thanks, @CC.  I got the one Chase INK business card based on a very small sole proprietorship but have really discounted other business offerings.  (It had an awesome 80K UR point SUB.)  Maybe I'm too concerned about it, but I know they all say you're supposed to use them for BUSINESS purposes only.  I know a lot of people get BBP and then solely use if for personal use, it appears.  I don't want to open myself up to getting it shut down, should they decide to enforce the rules.  I have heard, though, that AMEX is pretty loose about business-personal use of its' cards.   Is that your understanding?  Also, Chase was pretty strict getting the underwriting approval on that INK card. 

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Amex is very lose about using business cards for personal.  Not near as up tight as other lenders.   They just want to swipe fees and to be paid back otherwise they keep their mouths shut.  I have 4 Amex revolvers all under my sole prop I also have an EIN, etc., but found it easier to just do the sole prop route with all lenders I have business cards with so if you chose that route i think you would be more than fine.  Many of us here use them very liberally for personal spend.

[grower1]

Opened the BCE in 2017 at $500 starting limted, grew to $20,000 in 2 years. I left money on the table. Didn't request the maximum 3X CLI, decided not to poke the bear. 

[Anonymous]

BCE $1400 SL 7/2017(First card), 3X CLI @ 61+ days 10/2017, $6200 CLI @ 181+ days 5/2018, PC'd to BCP w/current CL of $10,000

PRG NPSL 3/2018 

Delta Gold SL $10K 3/2018 (gutted for other cards sits at $1K CL)

ED $5K SL 6/2018 reallocated $5K from Delta for total CL of $10K, then again for $4K when I stopped using it. Curret CL is $14K

Marriott Bonvoy Biz SL $10K 2/2019 

BBP SL $9400 w/$5K pulled from BCE 4/2019 

Grand Total CL's $44,400 

[Scupra]

BCE was my first and SL was $20k I was blown away and have let it be

[Anonymous]

@Scupra I still remember that approval, much better than my first amex approval 😂

Your rebuild and restraint has been amazing to watch. 👍🏽

[Scupra]

@Anonymous now you’re just trying to get me to stick around thank you so much, now if someone could tell Chase to lighten up!!