AMEX maximum total credit limit

[WNA888]

With regards to AMEX, I read from a few posts on here and different forums that requesting a CLI over $24,500 on a card will prompt AMEX to ask for your tax documents, and that if you have multiple AMEX cards, $35,000 is the max total exposure before they will seek tax docs.  I'm just wondering if anyone here has any personal knowledge of whether this is true? 

I currently have 3 AMEX cards. I applied for the AMEX Everyday card on the same day it was release months ago, and it brought my total AMEX CL to exactly 35K.  So either it's a coincidence or there's some truths to what I read?  I want to apply for another amex credit card next month, but I don't want to submit any tax docs. 

[OhioCPA]

I am at $30k on my Hilton Honors card, and $4k on my BCE. I also have a business card at $8.4k. When I have requested as little as a $1k increase on my personal accounts Amex has requested access to my tax return.

for a new account you likely will see a reallocation from one of your other accounts. This happened to me when I opened the business account. The credit limit was original set at 19k or so with 10k coming from my Hilton Honors account. I was able to get them to move the limit back.

[taxi818]

Many have documented. The total is 40 percent of income. 

[OhioCPA]

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@taxi818 wrote:

Many have documented. The total is 40 percent of income. 

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I thought the 40% was maximum exposure, not the point that they ask for proof of income. Proof of income appears to be at the hard number of $35,000.

[shakalaka]

I have 33.4 on my BCE, no tax documents asked.

[jamesdwi]

It all depends on your relationship with AMEX and your income. You may hit the limit if you have only been a AMEX card holder for a year or two, but if you have had an AMEX card in your wallet for a decade or more with a solid history of spending multiple thousands of dollars per month and no payment issues, they probably won't request documents.

[techiegirl]

I've been a customer for 20 years and I was still asked for tax docs when I requested a CLI that took me over $35k.

[SunriseEarth]

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@taxi818 wrote:

Many have documented. The total is 40 percent of income. 

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The 40% figure is per revolving account and is somewhat anecdotal.  As usual, YMMV, based on factors such as income and your internal score.  

My SO's roommate has a Delta Gold with a $35K CL.   To my knowledge, he's never submitted tax documents, but I believe he also has a very high AMEX internal score and I also believe that CL exceeds 40% of his income.  

[WNA888]

Okay, so from reading everyone's post here, it seems like the total cumulative maximum credit limit AMEX will give you is $35K before requesting prooof of income. 

Right now, I have 3 cards with AMEX with a $35K limit.  I'm going to apply for a new AMEX card soon, so should I call AMEX and request a CLD on one of my cards for let's say $2K, and then apply for a new card (and probably get a $2K CL) so I can increase my AAoA and get the sign up bonus?

I think requesting proof of income is really invasive. What happens if you refuse though? Do they shut all your cards down?

[Kenny]

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@WNA888 wrote:

Okay, so from reading everyone's post here, it seems like the total cumulative maximum credit limit AMEX will give you is $35K before requesting prooof of income. 

Right now, I have 3 cards with AMEX with a $35K limit.  I'm going to apply for a new AMEX card soon, so should I call AMEX and request a CLD on one of my cards for let's say $2K, and then apply for a new card (and probably get a $2K CL) so I can increase my AAoA and get the sign up bonus?

I think requesting proof of income is really invasive. What happens if you refuse though? Do they shut all your cards down?

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When you call and when they approve you if they say that they can't extend more credit you can simply reallocate CL. No need to CLD any of your cards.