Thanks everyone. I have multiples of my income in revolving credit, so that's certainly a distinct probability. When Pooka89 mentioned a few years back having seen numerous revolvers in the 6 digits and even one in the 7 digits, I kind of made it my goal to achieve a $100k revolver with both Amex and Bank of America (BoA accomplished a while back minus $100, curse of the $99.9k Club LOL).
Not sure if a temporary increase would be feasible, but maybe I'll try that around tax season next year. Might be hard to justify a "I need a temporary $30k increase so my scores don't dive if I charge $20k this month" when I already know from experience they'll certainly let me spend well in excess of my credit limits, and I'd think they'd just suggest putting it on one of my charge cards that does have the spending power and wouldn't affect utilization.
I have certainly shifted limits around to make my primary card more usable. I nerfed my circa-2002 Blue down to $500 and moved the rest to SPG right after I got it in 2017, and I have since moved limits from my Marriott and Delta Platinum cards to Reserve to bring it up to $50k.
@wasCB14 wrote:I've found Amex is not interested at all in the complexities of income, or in other documentation.
I received a 1099 with unexpectedly high income and wanted to make a big estimated payment before filing my taxes. I explained over the phone that I could send Amex the 1099, or authorize Fidelity to release it to Amex, but that the unusual income wouldn't have appeared on a filed return yet. There was no interest in or response to my other documentation, even though my total debt at the time was negligible and Amex had previously confirmed my assets via the Schwab credit. It's just a person entering a number into a computer, and the computer approves it, rejects it, or requests the return.
I also face the obstacles that a lot of my available income goes on a separate return, that my available income fluctuates, and that very little of my BBP spend is actually for my business.
My approach has been to just accept relatively low CLs, report income very conservatively, and rely on BBP's soft CL/non-reporting utilization as wel as Schwab's NPSL.
That certainly sounds like a headache. In your case, though, it's just a matter of Amex being firm that the only allowable documentation for a CLI request is a Form 4506-T and that the previous year's tax return will not be available until after August. That certainly can be frustrating for those with different scenarios besides being a W-2 employee. In my own case, I submitted per their rules and requirements and still got no results.
@tacpoly wrote:How much spend do you put through all your cards and what fraction of your household income is that? If you're putting in $100k - 200k spend on $300k income, I doubt you'll get significant CLI since you may be at the limit of what Amex thinks you can "afford".
I maximize rewards and everything that can be paid with a card is paid with a card. Usually it's anywhere from $10-15k spend across all cards in an average month, probably more than half of income over the course of a year. I'm not sure on the affordability angle since they'd certainly let me spend far more on my charge cards than I could possibly afford to pay back in a given month given experience with unusually large purchases and Check Spending Ability.
@tacpoly wrote:I thought I read on here that charge cards and credit cards have different underwriting requirements (i.e. a bank has to have the money set aside for each credit card). Maybe that explains the difference.
Another quite plausible explanation. In that case, I want some of that grocery card reserve being held. 
(It was a joke. No pitchforks and torches, please.)
@FinStar wrote:
Most of the majority of my spend typically goes on their charge cards, though.
Gotta say, most of the people I know who spend a crap ton use charge cards (income in the 7 figures +). I don't know anyone who carries balances (or no one will own up to it 
). Seriously though, we're all financially savvy and cc interest is such as waste of money, that it's very likely.
Yes, I carry mind-boggling balances on a few cards at low/no interest (in hindsight, I should have at least considered filing BK when the markets crashed but instead paid several annual incomes in interest), but they're been on a major downward trend for the past 4 or 5 years after being stagnant for ages. Other than utilization in the past, no credit issues - not even a 1-day late.