Amex Revolving Credit Cap

[MrCollector]

Does Amex really cap your revolving credit at 40 percent of your income?

[myjourney]

I wouldn't say 40% but yes they have an internal threshold whereas they won't increase your limits but so do all lenders 

[tryingagain62]

Is this threshold across all of your cards or just the ones you have with Amex? My income is $58K yr. with a $7K CL in Amex revolvers and a $68K CL over all my other cards.I was just approved for a BCE with a CL of $2K and would like to get the 61 day 3X CLI on it but I don't want to poke the bear.

[myjourney]

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@tryingagain62 wrote:

Is this threshold across all of your cards or just the ones you have with Amex? My income is $58K yr. with a $7K CL in Amex revolvers and a $68K CL over all my other cards.I was just approved for a BCE with a CL of $2K and would like to get the 61 day 3X CLI on it but I don't want to poke the bear.

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We wish we knew the answer to that but to many variables DTI, UTL, etc etc 

[MrCollector]

thanks for the info.

[nyancat]

Absolutely not, I'm now at 93% of my income in credit cards with Amex. I also don't come close to using these limits, and I have an absolutely flawless credit history. I've never once in my life revolved credit of any type. I use all my credit cards as if they were charge cards, and I charge within my means.

I think if I ever actually carried a balance, it'd probably spook Amex. I also think they should be spooked if I ever did - my attitude to credit is such that it'd literally have to be life or death to get me to carry a balance.

[nyancat]

P.S. to add to my suspicion AmEx wouldn't be okay with me deciding to use my cards as credit, not as charge cards, they sure gave me a strong disincentive - 19.24% on my new Delta Gold card (the worst of three possible rates), but a very decent credit line of $7,300. They seem to want me using the card, as long as I pay them in full every month.

I don't blame them, if they look at my report they know right well it'd be extremely out of character for me to even THINK about carrying a balance.

[MrCollector]

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@nyancat wrote:

P.S. to add to my suspicion AmEx wouldn't be okay with me deciding to use my cards as credit, not as charge cards, they sure gave me a strong disincentive - 19.24% on my new Delta Gold card (the worst of three possible rates), but a very decent credit line of $7,300. They seem to want me using the card, as long as I pay them in full every month.

I don't blame them, if they look at my report they know right well it'd be extremely out of character for me to even THINK about carrying a balance.

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It seems like everyone gets the highest APR on delta cards. 

[09Lexie]

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@MrCollector wrote:

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@nyancat wrote:

P.S. to add to my suspicion AmEx wouldn't be okay with me deciding to use my cards as credit, not as charge cards, they sure gave me a strong disincentive - 19.24% on my new Delta Gold card (the worst of three possible rates), but a very decent credit line of $7,300. They seem to want me using the card, as long as I pay them in full every month.

I don't blame them, if they look at my report they know right well it'd be extremely out of character for me to even THINK about carrying a balance.

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It seems like everyone gets the highest APR on delta cards. 

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FWIW, DH's APR  is 15.24% on his Delta

[lhcole77]

I started at 15.24% on Delta and was able to get it lowered to 12.24% a few months ago via online chat