Amex 25k credit limit question.

[Techno]

So everyone knows that usually amex don't like to give more than 25k without asking for some proof of income.

My income is at 36k, also something that we know is usually lenders dont issue more than 40% of your income on one card.

my progress on blue cash was approved for 1k after first 3x i got it to 3k, 2nd time i got 8.3k(i had 24k income back then).

last time i asked it was for 17.5 and the reason is i have a delta card with them with 7k and didn't wanna go through verification proccess so i asked for a total of 24.5k of credit from amex, suprisingly i was approved even though it's almost half my income.

soon enough i can ask again, and i am probabably gonna request the next increase on the delta and shoot for 21k.

can i ask for 25k on both cards eventually? or is it 25k combined?

also it's a silly question, does the request for proof of income triggers at 25k or anything above it? just so i know if i should ask for 24500 or exactly 25k if i ever increase my blue cash again.

Tried to find an answer to both of my questions on the 3x thread, wasnt able to land on a defentive answer, thanks in advance.

[Anonymous]

Some people claim that 25k on a single card or 34k or so across all accounts is a threshold for increased scrutiny and a higher chance of an FR. We don't have solid evidence indicating this and I doubt Amex has a bright line where FRs are more common. More likely, the higher the extended limits the higher the chance of an FR rather than a specific limit that triggers the FR. Again all of this is just plain speculation and citing one or two examples is insufficient to establish a significant correlation between a specific threshold limit and FRs. 

With that said, your limits are exceedingly high for your income. I doubt Amex will extend 50k of credit (25k on 2 cards) with 36k income. Again things like assets might be sufficient to get around the income factor since issuers often take assets into account as well. However, given the normal profile of someone with 36k income, a 50k credit line across two cards with one issuer is not very likely, but it never hurts to try. Even if you do trigger something like an FR, all you have to do is provide thee 4506-T which is not a big deal in my opinion. If you don't want to risk an FR, you might want to hold back on asking for higher limits since the more credit they extend to you the more likely they will eventually FR you.

Disclaimer: No one here likely knows what triggers an FR. Chances are extended credit, suspicious spending (too much for income, potential MS, etc) and such factors increase the chance of an FR. Everything stated here by me is mere speculation and chances are any other posters who purport to give you an answer are also merely speculating. 

[Anonymous]

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@Anonymous wrote:

Some people claim that 25k on a single card or 34k or so across all accounts is a threshold for increased scrutiny and a higher chance of an FR. We don't have solid evidence indicating this and I doubt Amex has a bright line where FRs are more common. More likely, the higher the extended limits the higher the chance of an FR rather than a specific limit that triggers the FR. Again all of this is just plain speculation and citing one or two examples is insufficient to establish a significant correlation between a specific threshold limit and FRs. 

With that said, your limits are exceedingly high for your income. I doubt Amex will extend 50k of credit (25k on 2 cards) with 36k income. Again things like assets might be sufficient to get around the income factor since issuers often take assets into account as well. However, given the normal profile of someone with 36k income, a 50k credit line across two cards with one issuer is not very likely, but it never hurts to try. Even if you do trigger something like an FR, all you have to do is provide thee 4506-T which is not a big deal in my opinion. If you don't want to risk an FR, you might want to hold back on asking for higher limits since the more credit they extend to you the more likely they will eventually FR you.

Disclaimer: No one here likely knows what triggers an FR. Chances are extended credit, suspicious spending (too much for income, potential MS, etc) and such factors increase the chance of an FR. Everything stated here by me is mere speculation and chances are any other posters who purport to give you an answer are also merely speculating. 

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To that end...

If I were to add POT feature to my PRG, Would that effectively lower my internal risk score thus potentially triggering FR?

[Techno]

Well, yeah i have a very good report and scores, it might have a big role in me getting 17.5

taking what you are saying i probably should be happy with what i got so far.

but i can still shoot for the 34, or so, even if FR comes, i can either send it or just decline it and keep the same limit.

the reason i dont want an FR is i was unemployed most of last year, so my tax return shows little income, i am trending this year for more than 36k ( i work for vzw and it's a comission based job so it's only an estimate), but that is only going to show on my next return if i keep this job for the rest of the year, so i'd rather avoid it.

next CLI i am thinking i am gonna ask for like 16k on my delta then probably less risky then 25k on the blue

Also, what happends if i do get to more than 25 combined, lets say 16 on delta and 17 on the blue, can i close my delta and move the limit to the blue without an FR?

since i already got approved for that CL.

[takeshi74]

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@Techno wrote:

My income is at 36k, also something that we know is usually lenders dont issue more than 40% of your income on one card.

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Incorrect.  That 40% is for AmEx based on aggregated anecdotal evidence but you'll find those that have qualified for more and those that have qualified for less.  My Chase internal limit, for example, was about 70% (found out by bumping into it).

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@Techno wrote:

can i ask for 25k on both cards eventually? or is it 25k combined?

also it's a silly question, does the request for proof of income triggers at 25k or anything above it?

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Read the 3x CLI guide as it addresses this.  The $25K figure is like the 40% figure.  It seems to be common but some encounter verification at different points.

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@Techno wrote:

Tried to find an answer to both of my questions on the 3x thread, wasnt able to land on a defentive answer, thanks in advance.

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Copied and pasted from the 3x CLI Guide:

The following often (but not always) are potential reasons why Amex asks for 4506T for a CLI request.

• New requested credit limit exceeds $25,000 for that particular account.
• New requested credit limit would make overall credit extended across all Amex revolving accounts exceed $34,500
• High internal risk score due to income on file to overall credit across amex and non-amex accounts ratio being too low.
• Unusual/large/manufactured/risky spending patterns.

[MyDataMyChoice]

As long as you are putting in your verifiable income (taxes) when asking for CLI you should be fine if they FR you.... you didnt lie

[BarryNTexas]

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@takeshi74 wrote:

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@Techno wrote:

My income is at 36k, also something that we know is usually lenders dont issue more than 40% of your income on one card.

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Incorrect.  That 40% is for AmEx based on aggregated anecdotal evidence but you'll find those that have qualified for more and those that have qualified for less.  My Chase internal limit, for example, was about 70% (found out by bumping into it).

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@Techno wrote:

can i ask for 25k on both cards eventually? or is it 25k combined?

also it's a silly question, does the request for proof of income triggers at 25k or anything above it?

---

Read the 3x CLI guide as it addresses this.  The $25K figure is like the 40% figure.  It seems to be common but some encounter verification at different points.

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@Techno wrote:

Tried to find an answer to both of my questions on the 3x thread, wasnt able to land on a defentive answer, thanks in advance.

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Copied and pasted from the 3x CLI Guide:

The following often (but not always) are potential reasons why Amex asks for 4506T for a CLI request.

• New requested credit limit exceeds $25,000 for that particular account.
• New requested credit limit would make overall credit extended across all Amex revolving accounts exceed $34,500
• High internal risk score due to income on file to overall credit across amex and non-amex accounts ratio being too low.
• Unusual/large/manufactured/risky spending patterns.

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As a data point I did my 181 Day CLI request last week on my Delta and was given the message pertaining expect something in the mail.  I asked for the full 45K and my income is 135K.

If they want docs I'll send back in without a problem or I guess it could be a total denial letter coming.  Funny thing was there wasn't even a counter offer that many claim will happen in the process.

Keep you all posted.

[baller4life]

I asked for and was instantly approved for $25k no problem. Docs can and does get requested at ANY limit. Not just $25k and above. I've seen instant approvals over $30k. It's truly a YMMV kinda thing.

[Anonymous]

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@Techno wrote:

So everyone knows that usually amex don't like to give more than 25k without asking for some proof of income.

My income is at 36k, also something that we know is usually lenders dont issue more than 40% of your income on one card.

my progress on blue cash was approved for 1k after first 3x i got it to 3k, 2nd time i got 8.3k(i had 24k income back then).

last time i asked it was for 17.5 and the reason is i have a delta card with them with 7k and didn't wanna go through verification proccess so i asked for a total of 24.5k of credit from amex, suprisingly i was approved even though it's almost half my income.

soon enough i can ask again, and i am probabably gonna request the next increase on the delta and shoot for 21k.

can i ask for 25k on both cards eventually? or is it 25k combined?

also it's a silly question, does the request for proof of income triggers at 25k or anything above it? just so i know if i should ask for 24500 or exactly 25k if i ever increase my blue cash again.

Tried to find an answer to both of my questions on the 3x thread, wasnt able to land on a defentive answer, thanks in advance.

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If your Income is 36k, don't you think asking for 25k on both cards eventually is too much?  Reverse the roles and assume you are the lender.  Would you give an applicant with an Income of 36k  a credit limit of 25k each on both cards?

[Anonymous]

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@baller4life wrote:
I asked for and was instantly approved for $25k no problem. Docs can and does get requested at ANY limit. Not just $25k and above. I've seen instant approvals over $30k. It's truly a YMMV kinda thing.

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Yep, all these "rules" (25K, 40% etc) are just induced data points, and there are lots of exceptions.  (But it seems easier for people here to just repeat the "rules")

And also a number of replies referenced FRs, whereas the OP was really talking about 4506-T income verification.

The most important differences are  that accounts aren't frozen for income verification, and if you don't send in the form nothing bad happens (you just don't get the CLI)