Amex maximum exposure and 3xCLI

[myquestionsfico]

I currently have 4 Amex cards:

1.  Platinum charge (no limit)

2.  Platinum Skymiles - 16.1k limit

3.  Everyday - 1k limit

4.  Optima - 2.3k limit

Total exposure of 19.4k.  I have read that Amex generally will let you have up to 34.5k total exposure across cards before asking for proof of income.  Does this still hold true?  The 3x CLI thread is a number of years old now.  I hit 6 months on Feb 12, so I am hesistant to ask for 3x CLI in fear of getting rejected (or is it better to 3x and they will counter?) or having to provide a bunch financial data, etc.  So trying to understand how much to request.

[CreditCuriosity]

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@myquestionsfico wrote:

I currently have 4 Amex cards:

1.  Platinum charge (no limit)

2.  Platinum Skymiles - 16.1k limit

3.  Everyday - 1k limit

4.  Optima - 2.3k limit

Total exposure of 19.4k.  I have read that Amex generally will let you have up to 34.5k total exposure across cards before asking for proof of income.  Does this still hold true?  The 3x CLI thread is a number of years old now.  I hit 6 months on Feb 12, so I am hesistant to ask for 3x CLI in fear of getting rejected (or is it better to 3x and they will counter?) or having to provide a bunch financial data, etc.  So trying to understand how much to request.

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Congrats on approval... no that isnt true as many of us here are way above 34.5k on a single card or multiple cards without having to provide POI..  That is a myth.   Depends on many things such as profile/income/relationship with amex and many other factors.  I am >80k with amex and never asked for poi.

[M_Smart007]

Congrats on your approval!

[Girlzilla88]

Congrats yes

[myquestionsfico]

Thank you! So I should feel OK with requesting 3x CLI on the 16.1 k card and they will respond with either approval, a counter, denial, or request for POI? I just don’t want to push my luck.

[CreditCuriosity]

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@myquestionsfico wrote:
Thank you! So I should feel OK with requesting 3x CLI on the 16.1 k card and they will respond with either approval, a counter, denial, or request for POI? I just don’t want to push my luck.

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pretty much although asking for 3x on 16k i would expect a POI request as basically asking for 45k+ that is a big jump in one go around...  People that have bigger amex limits usually do it a bit slower, but if you want to do it and get prompted to submit a 4506-t then be ready to do so.. although if you choose not to and are prompted no loss either just means you asked for to much this go around and back it off by say 3-5k until you get no poi request if you want to avoid it and eventually they should approve you assuming profile/income,etc support it

[myquestionsfico]

Thank you - that is exactly what I was hoping eh to understand. I thought I had read from other posts that you could go back a step and ask for less if you get requested for 4506-t, until you get to a limit they will grant without one. If that is the case, I will do that.

[Anonymous]

@myquestionsfico In late October I was at a $30,000 limit on my EveryDay card and requested a CLI to $45,000.  I immediately got the request for Form 4506-T; hit the Back button and used decrements of $5,000 until I was automatically approved at $35,000.

One strategy that might work is to reallocate limits from your SkyMiles Platinum card to your other two revolving cards until you're somewhere between $10-12K, then request the 3X CLI.  I did the same by reducing my EveryDay limit to $15,000 through reallocation to my Blue Business Plus card then requested a 2X CLI to $30,000.

[myquestionsfico]

That is a fantastic idea - thank you. I will look at possibly reducing the SkyMiles to 11k and look at a 3x CLI to 33. Stays under that 35k number...

[Anonymous]

Interesting strategy, but I thought that reallocations had to be 30 days apart? Thus pushing this scenario 60 days away until CLI on the Delta Plat. In addition, are you not required to wait a certain amount of time after said reallocation be before requesting a CLI?

I though that there were a few instances where people were denied due to a recent CL change.