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Amex - Shifting Credit Limits

K-in-Boston
Moderator

Re: Amex - Shifting Credit Limits

Just to add another data point, I'll confirm that you can reallocate personal-to-personal, business-to-business, or business-to-personal on one card with a minimum of 30 days between requests (for calendar purposes, use 31 days).  The $500 vs $1000 minimum is profile-dependent, and any existing charges or authorizations will increase that amount.  There does not seem to be a rule that cards must be x months old prior to moving limits as of at least a few years ago; I have moved limits to and from new cards with no issues.

Message 21 of 27
woodyman100
Valued Contributor

Re: Amex - Shifting Credit Limits

DW gets approved for Anything  she wants from Amex, but has been turned down on reallocation each and every time

NFCU-ICCU-EECU-Signature-AOD-Redstone-CapitalOne-Goldman Sachs (Apple)-Huntington-John Deere-Discover-BofA-Chase-Amex-Banco de Popular-Banco Do Brasil-Commerce-Truist-Citi-Synchrony-HSBC-USAA-Amegy-FNBO-Dell-Regions-Citizen’s-Wex-Hatch-Barclaycard-Comenity-DSNB-Webbank
Message 22 of 27
I_Love_Cards
Regular Contributor

Re: Amex - Shifting Credit Limits


@woodyman100 wrote:

DW gets approved for Anything  she wants from Amex, but has been turned down on reallocation each and every time


Do they give any reasons?  

Message 23 of 27
woodyman100
Valued Contributor

Re: Amex - Shifting Credit Limits

I shred the letters without opening. 
I do remember one saying she had to wait 13 months. (It was phrased differently).

It's been almost 24 now and denied again.

It's not a big deal, but my point is that it's not a given that it can get done.

 

I have never had an ounce of trouble with Chase, but DW had her Chase accounts shut down. You just never know

NFCU-ICCU-EECU-Signature-AOD-Redstone-CapitalOne-Goldman Sachs (Apple)-Huntington-John Deere-Discover-BofA-Chase-Amex-Banco de Popular-Banco Do Brasil-Commerce-Truist-Citi-Synchrony-HSBC-USAA-Amegy-FNBO-Dell-Regions-Citizen’s-Wex-Hatch-Barclaycard-Comenity-DSNB-Webbank
Message 24 of 27
I_Love_Cards
Regular Contributor

Re: Amex - Shifting Credit Limits


@woodyman100 wrote:

I shred the letters without opening. 
I do remember one saying she had to wait 13 months. (It was phrased differently).

It's been almost 24 now and denied again.

It's not a big deal, but my point is that it's not a given that it can get done.

 

I have never had an ounce of trouble with Chase, but DW had her Chase accounts shut down. You just never know


Thank you.  I was asking because I was genuinely curious as to the reasons given.  I have another CL move planned, but am making use of a 0% BT offer (on a different AMEX card that won't be involved) and was curious (since my usage is higher on that card) if the reasons given were related to happenings with her accounts/status/AR, logistics (like too soon/not leaving enough on donor card, business to personal, etc), or Amex musings/moon phases/etc.  

 

So I was asking to see if my higher UT on that card (or something else) might make my pending move a no go.  

Message 25 of 27
RealityBites
Established Contributor

Re: Amex - Shifting Credit Limits


@woodyman100 wrote:

I shred the letters without opening. 


 

I should try that.

 

One month of mail, with everything set to paperless.

 

IMG_2723.jpeg34684020-2768-4068-91D4-7E38D6723FC4.jpeg

 

 





Message 26 of 27
woodyman100
Valued Contributor

Re: Amex - Shifting Credit Limits


@RealityBites wrote:

@woodyman100 wrote:

I shred the letters without opening. 


 

I should try that.

 

One month of mail, with everything set to paperless.

 

IMG_2723.jpeg34684020-2768-4068-91D4-7E38D6723FC4.jpeg

 

 


Lol. I have done this so long that I'm Carnac the magnificent when the mail comes😂

NFCU-ICCU-EECU-Signature-AOD-Redstone-CapitalOne-Goldman Sachs (Apple)-Huntington-John Deere-Discover-BofA-Chase-Amex-Banco de Popular-Banco Do Brasil-Commerce-Truist-Citi-Synchrony-HSBC-USAA-Amegy-FNBO-Dell-Regions-Citizen’s-Wex-Hatch-Barclaycard-Comenity-DSNB-Webbank
Message 27 of 27
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