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AMEX maximum total CL

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MrCollector
Regular Contributor

AMEX maximum total CL

Been away from the forum for some time now and haven't seen an update on this, is the max total CL from Amex without giving up tax returns still $35K?

829 (TU) 809 (EX) 827 (EQ)

Chase Sapphire Reserve 65k | Citi AAdvantage Executive 37k | Hilton Aspire 35k | Fidelity Rewards 23k | Capital One Venture X 19k | Aviator Red 18k | World of Hyatt 10k | | Discover It 5k
Message 1 of 9
8 REPLIES 8
CreditCuriosity
Moderator Emeritus

Re: AMEX maximum total CL

No 35k is a rumor.  Depends on person could be 500 could be 6 figures +

Message 2 of 9
coldfusion
Credit Mentor

Re: AMEX maximum total CL


@CreditCuriosity wrote:

No 35k is a rumor.  Depends on person could be 500 could be 6 figures +


Not really a rumor,  it was based on crowdsourced data that indicated that it was sometimes a decision point, including the old obsolete trick of walking back CLI requests until the autobot accepted one without a 4506-T warning (and a lette via USPS for each request you walked back).

 

To your point though it defiitely isn't something that is anywhere remotely near being a figure cut in stone, it's based on individual factors like their credit profile, income, and past/present history with American Express.

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 3 of 9
FlaDude
Valued Contributor

Re: AMEX maximum total CL

I agree with the previous posters. My Amex total CL is 59300 and I've never supplied tax returns or banking info.

Scores: March 21 FICO 8: EX 810, TU 808, EQ 813
AoOA: closed: 40 years, open: 30 years; AAoA: 14 years
Amex Gold, Amex Blue, Amex ED, Amex Delta Blue, Amex Hilton Surpass, BoA Platinum Plus, Chase Freedom Unlimited, Chase Amazon, Chase CSP, Chase United Explorer, Citi AA, Sync Lowes, total CL 203k
Message 4 of 9
Dadof31978
Contributor

Re: AMEX maximum total CL

nobody knows this, but it's higher than you will ever see....I have a delta card w a $100k limit alone and that's not my only card...and i've never been asked. 

Message 5 of 9
FicoMike0
Senior Contributor

Re: AMEX maximum total CL

Good to hear. I'm at $30,000 with them, I was hoping to go to $50,000.

Message 6 of 9
CashOutReFi
Contributor

Re: AMEX maximum total CL

Not a hard stop by any means. 

$75k AmEx Amazon Business Prime

$35k AmEx Blue Cash Everyday

 

My brother was telling me he requested a CLI from $25k > $35k and they asked for POI. He never filled it out and they still gave it to him 😂

Message 7 of 9
creditrizz
Frequent Contributor

Re: AMEX maximum total CL

I've got a few of their cards with 35+, never asked me for any forms.  I also haven't requested any increases though




Equifax:833, TransUnion:830, Experian: 832
Message 8 of 9
CashOutReFi
Contributor

Re: AMEX maximum total CL

That's what I did back in April, and got an instant approval $35k > $50k. 

Mark your calendar 6 months after that and go for $75k next. Also instant approval. 

Message 9 of 9
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