Others have made some very good points, and it appears you're heeding the suggestions. Just one other quick comment.
Why bring unnecessary attention to yourself, by requesting a CLD without cause? Particularly with AMEX, who anecdotally monitor every waking, breathing moment of our existance (tongue firmly in cheek there 
)! But seriously, it COULD raise a red flag with AMEX, to more closely monitor your activities and could jeopardise future applications with them. Remember, this credit journey is for the long haul. While you may think that having a CL that's 2X your annual salary (mine is also in that vicinity) is detrimental or uncomfortable, your income will likely grow over the years. Depending on your current age, and I'm presuming you're not nearly as old as I am (older than dirt!), you've got a lot of credit years ahead of you. Keep your current CL and just watch everything dilligently.
@thom02099 wrote:Others have made some very good points, and it appears you're heeding the suggestions. Just one other quick comment.
Why bring unnecessary attention to yourself, by requesting a CLD without cause? Particularly with AMEX, who anecdotally monitor every waking, breathing moment of our existance (tongue firmly in cheek there
More points well taken, thom. Thank you. I'm absolutely heeding the advice of you smart people and have given up on the idea of asking for a CLD.
I'm still thinking about closing the BCE, but before that I'll see if Amex will reallocate part of its credit line to my other Amex card (TE). If they will, then I'll close the BCE but still be able to keep part of its CL.
Does anybody know if Amex still allows reallocations?
@Gunnar419 wrote:
@thom02099 wrote:Others have made some very good points, and it appears you're heeding the suggestions. Just one other quick comment.
Why bring unnecessary attention to yourself, by requesting a CLD without cause? Particularly with AMEX, who anecdotally monitor every waking, breathing moment of our existance (tongue firmly in cheek there
More points well taken, thom. Thank you. I'm absolutely heeding the advice of you smart people and have given up on the idea of asking for a CLD.
I'm still thinking about closing the BCE, but before that I'll see if Amex will reallocate part of its credit line to my other Amex card (TE). If they will, then I'll close the BCE but still be able to keep part of its CL.
Does anybody know if Amex still allows reallocations?
Yes. I recently did that, with my worthless Clear card, to my newer BCP card. Moved most of the CL to the BCP with no problem, left a $1K limit on the Clear.
@takeshi74 wrote:
@ways2go wrote:Seriously , you can havea CL 2x your base salary?
I'm not at 2x but I am at ~1.7x. 2x wouldn't take much more.
Heh, well my own current calculation has a division by zero issue with it; admittedly that's temporary but on the surface it looks infinitely worse than 2x. 
