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Benefit of reallocating credit lines


Benefit of reallocating credit lines

So the Amex 3x game has been kind to me and I have an Everyday sitting at 18k and 6 months ago opened a Delta with a SL of 4k. Everyday is currently my highest line with Discover being 2nd at 13k. I was thinking of moving 6k to Delta and my question is would it be better to have one card near 20k or having a few cards at/over 10k. Or does it really make no difference at all?

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Super Contributor

Re: Benefit of reallocating credit lines

First clarification: How long has the ED had the $18k limit?

What was the history of timing those increases?

Any other AMEX you have asked for an increase in limit, in the last 180 days?

Congrats in advance on getting it to $18k.


if there has been no AMEX CLI for 180 days, you could ask directly to CLI the Delta card.


Depending on the age  ( seasoning ) of the ED limit, some of that may be reallocable.


If you plan on running substantial spend through the Delta card, the “per card utilization“ factor in FICO scoring can be helped by having a higher limit. But utilization is a measure that adjusts as the amount goes up or down. 

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
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