New high limit effect current cards starter limits?

[Anonymous]

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@Revelate wrote:

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@improvingmycredit wrote:

+1

Amex does approve based on current CL experience (they like to match current limits) but they will also be the first to extend higher CLs based on their internal scoring of your creditworthiness through CLI policy.

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Hmm, I don't know if that's the case on the majority of consumers: granted we're outliers here but we see a lot of the $500-$2K approvals for Amex revolvers (might be different a bit on some of their co-branded cards), which invariably leads to "my other limits are higher, Amex sucks!" type posts.  

Given their CLI policy with few exceptions it doesn't really matter what you were approved with, and I think they take that into consideration when deciding a limit from a business perspective.

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I think they approve a lot of people at starter 2k limits and then let you balloon that over time. 

[improvingmycredit]

Amex absolutely takes into account their CLI policy in my opinoin when deciding original CL from what I can tell on here.  I do believe that yes- what we see on

these forums is not indicative of the general population.  My acquaintances outside these forums based on my recommendations have gleaned CLs equal to or greater than their current limits and get the 60 day CLI to boot. Not scientific for sure but noteworthy for reference.  Your reference to "Outliers" probably plays more a role of what see on these forums then one might think.  definitely not typical of the general population. Something that should also be noted- the general population isn't as saavy with regards to Amex's CLI policy so I'm curious as to how much of an effect it has on the initial assesment of starting CL.  My belief: when approved- the full CL including 60 CLI is already determined then re-enforced by the subsequent SPs