Max Amex Revolving Credit lines

[youngandcreditwrthy]

So what is the Max amount of available revolver credit line you can have with Amex before dox are required( similar FR)? Is it determined by income? I've seen it mentioned in the 30-35k range before the IRS gets involved. Just curious as I may be at that limit; I have a total of $30k in Amex cred and want to determine what cl, if any, I should request on my newest Amex (Delta Gold $5500 cl) at the 61 day mark. Another $10k line would be nice, but idk how comfy I'd be providing extensive IRS forms. Lol

[scenery_guy]

I'm at $40.7K revolving across several cards. No issues recently when I asked for a CLI that added $10K to my total. I was expecting document request as well but it never happened. I will be asking to add another $10K in about 6 months, perhaps then if needed.

[SnackTrader]

"Another $10k line would be nice, but idk how comfy I'd be providing extensive IRS forms. Lol"

I'm holding my tongue.

[Creditaddict]

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@youngandcreditwrthy wrote:
So what is the Max amount of available revolver credit line you can have with Amex before dox are required( similar FR)? Is it determined by income? I've seen it mentioned in the 30-35k range before the IRS gets involved. Just curious as I may be at that limit; I have a total of $30k in Amex cred and want to determine what cl, if any, I should request on my newest Amex (Delta Gold $5500 cl) at the 61 day mark. Another $10k line would be nice, but idk how comfy I'd be providing extensive IRS forms. Lol

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You can play this game all day long but it's just another one of those best guesses... Some have had FR by the time they went to make 1st purchase on Zync. My father had Amex for over 10 years and had as much as $68k on 5 credit cards and at least another $20k on 2 charge cards and never was FR.... at credit crash he saw some crashing credit lines but never FR.

I mean look at the other poster just a couple weeks ago pushing $40k through his $15k or something costco card... that is a credit card with a limit, not a charge card and they were over doubling the charges being allowed and no FR.

In the end I think you will loose as a cardholder of Amex if you plan your spending, your credit line increases, and your applications for cards that you want or need because you are worried about an FR... I would never give up trying for 3x CLI, and I certainly wouldn't say "oh, I would love my 6% rewards today but my bill is a little high this month, don't want an FR so let me use my debit card!" (little dramatic but you get the idea I hope)

[Open123]

For Amex, I believe the limit is 4 personal and 4 business chards.

I don't think the potential FR is based on the number of cards, but your overall aggregate CLs combined where you're free to allocate between the 4 cards at your discretion.

[Creditaddict]

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@Open123 wrote:

For Amex, I believe the limit is 4 personal and 4 business chards.

I don't think the potential FR is based on the number of cards, but your overall aggregate CLs combined where you're free to allocate between the 4 cards at your discretion.

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and that's 4 "Credit Cards" I believe you can have at least 2 charge cards for personal and business on top of the 4 credit cards.

[enharu]

@Young, I think it really depends. Some people were FR'ed once their total CL across all cards were >25k, some didn't even have to submit documents to get CL past 30-50k. They probably have an algorithm to determine that.

[youngandcreditwrthy]

Thanks for all of the responses!!

Maybe I will just request a full 3xcli at 61 days and see what happens! Thanks for all the info :-)

[anderl]

MAX AMEX Personal Accounts: 6

[youngandcreditwrthy]

Well, I only have two Amex revolvers and no charge cards. A $24.5k bce and a $5.5k amex delta gold.

I would like to eventually get a Platinum charge and then maybe another revolver. No hurry though, I'm good for now on the new accounts lol!