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AmEx Maximum amount of lending products?

Josh2942
Established Contributor

AmEx Maximum amount of lending products?

This is about an application for the Blue business cash but I put here because it relates to regular credit cards. I have a blue for business card I've had for about 6 years now. I've been rocking the Chase trifecta but now I've decided to move my spend to American Express. The plan was to get a new card every 6 months. The blue cash, Delta reserve, gold charge, and platinum charge. I have 5 cards with Amex. Going back to 2013. I have the everyday, blue cash everyday, blue for business, and two identical Hilton cards. I had one from back when Citi also had the card. The application for the blue business was appproved but I have to close one of my personal cards to open it. The representative said it's not a matter of credit limit but total cards. Obviously it's easy to close one of my duplicate Hilton's but Other than that I don't want to close some of my oldest accounts. Luckily the rep said charge cards aren't included. Has anyone else run up against this issue before?

Jaguar F-Type R Loan 50K Balance
Goldman Sachs Signature Loan $29,000 TU 750 score pulled at time of loan.
Student Loan Debt $1,500
Credit Card Debt $300 1>% of $166,700
FAKO Transunion 723 Equifax 744
What's in my wallet? Chase Sapphire Reserve, Chase Freedom Unlimited, and AMEX Blue for Business
Message 1 of 27
26 REPLIES 26
angelwingz
Valued Contributor

Re: AmEx Maximum amount of lending products?

This is a known cap with most Amex members. There have been some able to bypass their # of cards 'rule' but it's one of those YMMV situations.




My Cards:






Profile Type: New, Thick, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
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myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 2 of 27
coldfusion
Community Leader
Super Contributor

Re: AmEx Maximum amount of lending products?


@angelwingz wrote:

This is a known cap with most Amex members. There have been some able to bypass their # of cards 'rule' but it's one of those YMMV situations.


Yes, very much YMMV.  Some people got a 6th revolver by virtue of the Hilton portfolio migration from Citi to AMEX, occasionally someone has a profile that AMEX likes enough to grant a 6th or even 7th card.  There are a few members here with more than 5 active AMEX revolvers.



(4/2021)
FICO 8 (EX) 815 (TU) 822 (EQ) 808
FICO 9 (EX) 827 (TU) 826 (EQ) 832

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 3 of 27
AverageJoesCredit
Mega Contributor

Re: AmEx Maximum amount of lending products?

Im average and i have 5 revolversSmiley Wink

Message 4 of 27
wasCB14
Super Contributor

Re: AmEx Maximum amount of lending products?

@FinStaris somewhere around 12 revolvers...but with unusually high income and scores.

 

The exact criteria for exceeding 5 without the Hilton loophole or anything similar aren't clear.

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, CFF+CF, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
SUB: JetBlue, Amex Platinum
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 5 of 27
JNA1
Valued Contributor

Re: AmEx Maximum amount of lending products?

So I gotta ask Joe - Whydontchu have your cards listed in your sig? Is it because of the time it would take to list them or fear that the MyFico servers would crash??? Smiley Wink Smiley Happy
My credit card journey started 3/2018

Hover over cards to see limits and usage.
Total CL - $245,450
Cash Back and SUBs earned as of 6/1/21- $6336.35

CU Memberships

Goal Cards:

Message 6 of 27
AverageJoesCredit
Mega Contributor

Re: AmEx Maximum amount of lending products?


@JNA1 wrote:
So I gotta ask Joe - Whydontchu have your cards listed in your sig? Is it because of the time it would take to list them or fear that the MyFico servers would crash??? Smiley Wink Smiley Happy

I used to have them. Id go through a bad spell and take it out on my siggySmiley Wink. I normally paid @UncleB and @Jago22 in kudos to build mine lol. Im not adverse to putting one back but there has to be a demand lolSmiley Wink

Message 7 of 27
M_Smart007
Epic Contributor

Re: AmEx Maximum amount of lending products?


@AverageJoesCredit wrote:

Im average and i have 5 revolversSmiley Wink


Regular gunslingerSmiley Very Happy

 

Message 8 of 27
Jago22
Community Leader
Super Contributor

Re: AmEx Maximum amount of lending products?


@AverageJoesCredit wrote:

@JNA1 wrote:
So I gotta ask Joe - Whydontchu have your cards listed in your sig? Is it because of the time it would take to list them or fear that the MyFico servers would crash??? Smiley Wink Smiley Happy

I used to have them. Id go through a bad spell and take it out on my siggySmiley Wink. I normally paid @UncleB and @Jago22 in kudos to build mine lol. Im not adverse to putting one back but there has to be a demand lolSmiley Wink


@AverageJoesCredit  There was always demand, you just like the back and forth of having it and not having it. 

 

I have 6 revolvers, basic income and was under 680 EX8 when i got most of them in the past year a half.   Just depends on how Amex feels about your profile when you app i guess.   the last four i did same day double approvals, so that might have factored into getting 6. 





Message 9 of 27
M_Smart007
Epic Contributor

Re: AmEx Maximum amount of lending products?


@Jago22 wrote:

@AverageJoesCredit wrote:

@JNA1 wrote:
So I gotta ask Joe - Whydontchu have your cards listed in your sig? Is it because of the time it would take to list them or fear that the MyFico servers would crash??? Smiley Wink Smiley Happy

I used to have them. Id go through a bad spell and take it out on my siggySmiley Wink. I normally paid @UncleB and @Jago22 in kudos to build mine lol. Im not adverse to putting one back but there has to be a demand lolSmiley Wink


@AverageJoesCredit  There was always demand, you just like the back and forth of having it and not having it. 

 

I have 6 revolvers, basic income and was under 680 EX8 when i got most of them in the past year a half.   Just depends on how Amex feels about your profile when you app i guess.   the last four i did same day double approvals, so that might have factored into getting 6. 


And how many browser windows did you have open at onceSmiley Surprised    ..JK

 

Message 10 of 27
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