Since I joined My FICO, part of my focus has been to explore highest individual and Total Credit Limits (TCL) with various lenders. I have additional data points today regarding possible upper limits on Chase cards as well as AMEX revolvers. *Disregard these data points if you're a High Net Worth client or if you have heavy spending on your cards. Both those situations could drive credit limits much higher.
Over the years, my experience has been that many of my lenders often will extend a certain amount of credit based on income and profile, regardless of actual usage of that credit. And as long as I've kept my FICO high with a strong profile, they've allowed me to keep those higher limits without using a large percentage of them. However, at some point, I believe income no longer matters as much as how much of that credit is being used.
Similar to the well-known $99.9K TCL glass ceiling with Bank of America that is hard-to-break, I appear to have reached that ceiling for my situation with both AMEX and Chase. I've had high limit cards with low utilization with both lenders. AMEX TCL was $85K with $75K on my personal Marriott and $10K on my BBP. Chase TCL was $144.4K across five cards, three personal and two business including $90K on my Sapphire Reserve. Today, both lenders approved me for new cards ... but reallocated all of the "new" limits from my existing cards. See: AMEX Hilton Surpass approval. + Chase IHG Rewards Premier approval.
AMEX gave me an expedited CLI from $15K to $45K to $75K on my Marriott card as my only revolver with them, no income verification or financial review required. (>THIS MESSAGE< has links to my three original postings for data points). After that, the music stopped, they asked for access to banking and still would not approve a further increase due to low usage. 
Then, they approved my Blue Business Plus for $10K but likewise wanted access to business banking to consider a CLI. Today, they reallocated $25K from my Marriott Bonvoy Brilliant to approve my Hilton Surpass. So my theory is that, barring heavy usage and even with high FICO and income, there may be a $75K cap on total AMEX personal revolver credit limits. I may try for the 2x or 3x CLI on the new Hilton to further test this idea.
My Chase TCL after multiple new approvals in 2018-2020 was $138.4K. ($129.4K personal + $9K business.) In February, I was approved for an additional $6K on a new business card, bringing my TCL with Chase to $144.4. During the 2018-2020 approvals for multiple cards, they reallocated limits for the my last approval (World of Hyatt.) I knew I was "done" at that point, but had hoped my increases in income in the past few years might get one more higher limit out of them. But today, they approved my IHG Rewards Premier card for $50K ... by reallocating $40K from CSR and $10K from CFU. I seem to remember seeing several other members in the $135K to $145K range with Chase, so I'm wondering if there is data to be gleaned from this number.
With both lenders, my TCL is less than 40% of household income, and Debt-to-Income is modest. So this is one reason I believe there may be some related caps tied more to spending figures than income figures.
From watching business credit limits with both AMEX/Chase from our other members, it appears that those limits are probably heavily-driven by reported business revenue combined with actual business spending on the accounts. I don't think personal income plays much of a part in higher business limits absent a robust demonstrated business relationship.
As an aside, pushing the limits with both brought up a possibly disturbing data point on my APR. For many years, my approvals have been the lowest in the advertised range with 800+ FICO, thick profile, high income. Both AMEX and Chase did not give me their lowest rates this time. AMEX was 2% from the bottom of the advertised range while Chase went ABOVE the advertised range by 0.25%! 
I'm wondering if in both cases it's a caution indication, similar to seeing SLs decline in new credit-seeking activity.
So I'm probably done with new credit from both Chase and AMEX for a long time. To clarify, I'm not griping that they have limits as much as I enjoy defining them. I'm very grateful for the generous credit extended to me from all my lenders. I'd be interested in hearing any other data points on TCL with either Chase or AMEX and thought my experience might help others in the community.
@Aim_High wrote:
Over the years, my experience has been that many of my lenders often will extend a certain amount of credit based on income and profile, regardless of actual usage of that credit. And as long as I've kept my FICO high with a strong profile, they've allowed me to keep those higher limits without using a large percentage of them. However, at some point, I believe income no longer matters as much as how much of that credit is being used.
As an aside, pushing the limits with both brought up a possibly disturbing data point on my APR. For many years, my approvals have been the lowest in the advertised range with 800+ FICO, thick profile, high income. Both AMEX and Chase did not give me their lowest rates this time. AMEX was 2% from the bottom of the advertised range while Chase went ABOVE the advertised range by 0.25%!
This is FANTASTIC information!
You're are ahead of me on the same track I've been trying to go down.
I haven't seen many folks with these kind of data points that closely matches my profile (and intentions) so... I guess you have a new myFico stalker as now I have to go find every thread you've started and read them thoroughly.
Super Kudos!!
I know you gave the disclaimer of heavy spend but in my case, even that hasn't really helped with Amex. I am at $90,500 total and haven't had a CLI in years (although I did have a few business cards approved for $10k each with no reallocation once they cut the tap off). My personal Amex spend is slightly more than that annually that except for a year or two where I may have dipped down into the $85k-95k range while chasing SUBs elsewhere. For a few years I seemed to have been stuck around 15-20% of income. Back when SPG card was king, I was even running over my credit line every month because monthly spend between statement close and due date combined with statement balance was hindering me. Meanwhile I know there were plenty of people with modest incomes getting fairly close to their annual income with Amex. It doesn't seem to scale. What I spend on and how I spend has changed quite a bit so thankfully the limits are fine for me. But I'd still like to hit $100k with Amex someday just because I set it as a goal about 7 years ago. 😂
With Chase I am at $49,500 and don't foresee moving up. They don't get that much spend, so I am okay with that, but they seem to have turned off the tap for me at a fairly low %.
I have some data points to contribute which seem to corroborate the other comments in this thread.
For Chase, my maximum TCL hit $137k before having to reallocate for a new card. At that time, the TCL was approximately 45% of household income. The breakdown between personal and business lines was $127k and $10k.
For Amex, my maximum TCL hit $76k before having to reallocate for a new card. At that time, the TCL was approximately 39% of household income. The breakdown between personal and business lines was $58k and $18k.
