AMEX maximum total credit limit

[WNA888]

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@KennyRS wrote:

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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.

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are there like any harm (FICO-wise or anything else)  in like requesting a $2K CLD if I PIF every month on all my cards, and I have $100K+ total credit credit limit?

[weehoo]

Right now i have BCP - $24k, Delta gold - $5k, Old blue cash - $5k, Hilton honors - $1k.  Which is exactly $35k.  But before the old blue cash i had BCE which was $8k which would have been over $35k with no tax docs required