Amex maximum exposure and 3xCLI

[Anonymous]

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@myquestionsfico wrote:
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...

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You don't have to request 3x either.  Just request something under 35k.

[Anonymous]

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@Anonymous wrote:

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.

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I would have to go back to check when I did the reallocation to the BBP but I certainly didn't encounter any delays with the CLI on the EveryDay card.

[Anonymous]

Congratulations!!

[SouthJamaica]

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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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No I've had more total exposure than that, without ever having been asked for proof of income.

[JamP]

I have a 50k BCE so I know that's not the maximum exposure.

I just kept on backing out until I didn't get the proof. Usually about 4.5k an increase after 35-38K

I wonder if anyone tries for higher then 50k on one card. I will never use\need that much but it's my first 50k card.

I can ask for an increase anytime I just don't know how safe it is to go above 50k.

[Anonymous]

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@Anonymous wrote:

@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.

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I basically did the same thing. Went for 40K, was asked for 4506-T, and I provided it. A waste of time. Never heard back.  So I went and asked for 35K,  immediately approved. 

[TheConstant]

I have 35k exposure with Amex, 30k of it on one card. Never have been asked for POI.

My relationship with Amex:
- 2 cards, oldest ~4y, newest 10m
- One balance transfer of 5k and PIF
- Ran one card up to 10k and PIF

[TheConstant]

And you can absolutely request for 3x and they'll counter if they want to approve any CLI at all.

Amex is very particular about certain criteria on whether you get a CLI or not

[myquestionsfico]

Awesome - thanks!

[myquestionsfico]

Great advice