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Question about Amex CC

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Regular Contributor

Question about Amex CC

Hi,

I have got few questions to ask:
Are all amex cards eligible for a credit line increase? What's the eligibility turn around time to request Cli? Mostly which card did you see whith high Sl? If I am not wrong charge cards has no limits...
Message 1 of 20
19 REPLIES 19
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Regular Contributor

Re: Question about Amex CC


@Kingnk wrote:
Hi,

I have got few questions to ask:
Are all amex cards eligible for a credit line increase?
Yes, all credit cards not charge obviously. Also all CLI are soft pulls, from what I've heard/experienced. 
What's the eligibility turn around time to request Cli?
90 days from account opening. If approved, 180 day waiting period before you're eligible for another approval. 
Mostly which card did you see whith high Sl? 

 Not sure, but my mom's Delta Gold card has a limit of $30,700 which is the highest I know in my family.

If I am not wrong charge cards has no limits...

There is an internal limit set by Amex, but there is no preset spending limit you'll see outright. They'll determine a cap on the charge cards based off your previous spending habits, history, income, etc. But there is no limit they'll tell you. 


 

Message 2 of 20
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Frequent Contributor

Re: Question about Amex CC

Only credit cards can request a CLI. Charge cards can't.

 

If this is your first Amex card you can request a CLI at day 61. If you have multiple Amex cards you can request a CLI at anytime and if approved you have to wait 181 days until the next request. If denied based on credit reasons you have to wait 91 days until next request.

 

By credit reasons I mean that they didn't deny you for not following their turn around guidelines but denied you due to "too many recent inquires" and that kind of stuff.




Message 3 of 20
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Regular Contributor

Re: Question about Amex CC

Yes, it will be my first Cc with Amex but I am not sure which one to app. Any suggestions? I waited almost a year now to app for some nice card, I am looking for something which will have a good SL...not really concerned from what lender or Any APR or AF...BTW I like ypur Captain America's card 😉

Thanks Pat
Message 4 of 20
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Frequent Contributor

Re: Question about Amex CC

I don't think choosing a specific card will yield a higher SL.

 

I have 8 Amex accounts and each one of them offers something different. I am not sure if you are after cashback or points.

 

I won't think about the SL and would start comparing cards and evaluating signup bonuses.

 

I like my cap america card too Smiley Wink




Message 5 of 20
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Moderator

Re: Question about Amex CC

Hi @Kingnk, your duplicate thread has been removed.  Please avoid cross posting in the future; it's confusing to follow and is against the guidelines here.

 

--UB

Message 6 of 20
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Regular Contributor

Re: Question about Amex CC

My bad UncleB, will be more cautious next time 😊
Message 7 of 20
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Community Leader
Super Contributor

Re: Question about Amex CC

OP

A CC SL is based on one’s overall credit profile: scores, AAOA, income.


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| NFCU CashRewards $30K || AmX Cash Magnet $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 8 of 20
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Community Leader
Super Contributor

Re: Question about Amex CC

+1 @patoot


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| NFCU CashRewards $30K || AmX Cash Magnet $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 9 of 20
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Regular Contributor

Re: Question about Amex CC

I also have a question about Amex.
If you have 2 cashback cards with them(for example cash magnet and bce), do the cashback pool all together like mr points?

Sorry for using your thread OP. 😀

Message 10 of 20
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