AMEX Revolver Credit Limits

[Anonymous]

@CreditCuriosity wonder if the reverse holds true? Amex not caring if personal used for business?

[Aim_High]

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@Anonymous wrote:
@CreditCuriosity wonder if the reverse holds true? Amex not caring if personal used for business?

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From my understanding, that's always fine.  The issue is the cardholder agreements for business cards state that you agree to use the card for the stated business expenses.  Business cards don't normally show up on personal credit reports, so putting all your personal expenses on business cards paints an inaccurate debt and payment history picture for the lenders when they pull your personal credit report to review or approve for new credit.  Doing it the other way around (putting business expenses on personal) is always okay.  There's no prohibition for using personal cards for business expenses.  Many people choose to do this when they file expense reports and get reimbursed for business-related expenses from their employer instead of opening a separate business card to separate the business expenses.  

[kudosalert]

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@Aim_High 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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Wow, monster growth in 9 months! 

That's like a baby!  Lol 

Congrats on that!

*Is your BCE a boy or girl? 

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this cracked me up haha. my Amex Hilton started at 5k. after 62 days i got 15k. there is no way i'm hitting that 3x request again since i've only gotten back with Amex this year after about 17 years away from credit cards in general. dont want to explain my business to any body...

[Anonymous]

Thanks @AimHigh wasn't sure since I don't have any business CC's yet.

[staticvoidmain]

I treat my AMEX limits as aggregate because AMEX treats it that way (at least for me). AMEX can take some from an older card and move it to a new one. This happened to me twice, so I moved limits and requested increases on the card AMEX took it from **.

$45K total for me, because I specifically asked for that amount. Currently, I have it divided equally (Delta, Hilton, Marriott), at 15K each.

**(Story Time: Delta was my first card. Started 9K and stayed that way for 2 years. Requested increase to $25K, then applied for SPG/Marriott in less than a month. Got the SPG with 14.4K, but got Delta reduced to around $15K. Did not really need more so it stayed that way for almost a year — 10 months — which is when I applied for Hilton, got 15.6K, Delta reduced to around 10K. Moved $600 from Hilton to Marriott, and requested an increase for Delta to $15K.)

[Aim_High]

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@staticvoidmain wrote:

$45K total for me, because I specifically asked for that amount. Currently, I have it divided equally (Delta, Hilton, Marriott), at 15K each.

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Thanks and interesting that you have three co-branded cards but no core charge cards or revolvers at all.  Do none of their other products or MR points appeal to you? 

[staticvoidmain]

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@Aim_High wrote:

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Thanks and interesting that you have three co-branded cards but no core charge cards or revolvers at all.  Do none of their other products or MR points appeal to you? 

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I've been thinking of writing a rant about this, but I cannot justify getting and using their cards for everyday or travel spend. My problem with AMEX is its acceptance, locally (e.g. Costco, hyperlocal ethnic supermarkets and restaurants) and especially outside the US when, you know, I actually am "traveling". All my cards from them are sorta sockdrawered, and function only as a "perks and benefits" cards. Plus I currently fly Delta 90% of the time.

[pinkandgrey]

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@Aim_High 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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Wow, monster growth in 9 months! 

That's like a baby!  Lol 

Congrats on that!

*Is your BCE a boy or girl? 

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Definitely a boy. My only girl is the pink Disco. 

[pinkandgrey]

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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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Righto. 

[Anonymous]

I have an Everyday Rewards card with $12,000 (started at 8) and a new Delta Gold  with $4,000.

When I asked for the CLI I foolishly only asked for 12 instead of 24.

Everyday Rewards is my favourite for the 0% till July, after which I won't be using it. The Delta is exclusively for the 1st bag and priority boarding.