Typically, your AmEx spending limit is three times your highest paid-in-full balance over the last six months. They are also pretty good about allowing you some flexibility if you call them ahead of time to inform them of pending charges (I’ve done this with $8,000 business expenses without any issues). To avoid this situation, expect to have a low credit limit when you start using a no pre-set spending limit card. Charge a bit to it the first month, pay on time, then charge a bit more each consecutive month. I have an Amex BCE and I waited 65 days to ask for a credit limit increase. I started with a credit limit of $3,000 and I was instantly approved an increase for a total of $9,000. I’ll be asking for another credit limit increase in six months. I’m hoping to get it to $20,000. Instantly, the credit limit for my Citi Dividend card was increased to $13,500, up from $11,600 (a $1,900 increase). I could ask for more but Citi would pull my credit report for that request, so I just left it at that. When I applied for the limit increase, my credit score was 840, Amex balance of £3800/£6000, I had my Amex Everyday Charge card for 1.5 years, two credit cards in total (Nationwide £4350/£4950) and I never paid Amex full balance off, only minimal payments ever month. I got AMEX blue cash preferred card but i was approved for only $1000 even my score on FICO says 750. I was no happy with the credit limit so as soon as i got the credit card i increased it $3000(3 X times). In general, you should aim to keep your spending far below 30 percent of your credit limit. In other words, if you're spending $1,500 or less a month using a card with a $5,000 limit, you're OK -- though the highest credit scores go to those with spending levels below 10 percent of their limit. The higher you go, the more you need to either cut spending or increase the This really comes in handy when the initial approved limit is on the lower side (example $2,000) due to internal American Express risk score models, mostly for folks starting out in their credit journey or with other risky credit/income factors.  When requesting the increase, make sure you request a limit that is three times your opening limit if you want to increase your limit by the maximum allowed. For example, if American Express gave you a limit of $3,000 request a limit of $9,000. I got AMEX blue cash preferred card but i was approved for only $1000 even my score on FICO says 750. I was no happy with the credit limit so as soon as i got the credit card i increased it $3000(3 X times). If you carry a classic American Express Green, Gold, or Platinum card, or any other credit card that has no pre-set spending limit, you probably know this doesn’t mean your card has no limit at all. To avoid this situation, expect to have a low credit limit when you start using a no pre-set spending limit card. Charge a bit to it the first month, pay on time, then charge a bit more each consecutive month. same deal i just requested a credit line amex change from 10,500 $ to 20,000 $ and did it all online for my blue cash preferred card portal..it’s easy to do it all online and I was instantly approved for a credit limit increase of $9,500.00! May 19, 2015 at 3:41 pm. I have had 2 AMEX cards for over 6 months with a $1000 limit. I use them for business travel and usually pay them off when I get my expenses reimbursed. They will not increase my limit even though I am a good customer. they will be your credit each time you ask for an increase. Just as an FYI, to get the screenshots for this tutorial I actually requested a credit limit increase. I had a credit limit of $20,000 and was approved for an increase to $25,000 on my American Express TrueEarnings card. { 102 comments, please add your thoughts now! There have also been reports that it’s simple as long as you keep the limit under $25,000. Just as an FYI, to get the screenshots for this tutorial I actually requested a credit limit increase. I had a credit limit of $20,000 and was approved for an increase to $25,000 on my American Express TrueEarnings card. Enjoy!
http://www.moneyunder30.com/american-express-cards-do-have-spending-limits http://www.mybanktracker.com/news/how-increased-overall-credit-card-limits-22-percent http://www.doctorofcredit.com/increase-the-limit-on-your-american-express-card-by-up-to-3-times-its-starting-amount/ http://www.creditcards.com/credit-card-news/how-raise-credit_limit-1267.php http://ficoforums.myfico.com/t5/Credit-Card-Applications/The-Definitive-Amex-3X-CLI-Guide/td-p/1811071 http://www.doctorofcredit.com/increase-the-limit-on-your-american-express-card-by-up-to-3-times-its-starting-amount/ http://www.moneyunder30.com/american-express-cards-do-have-spending-limits http://creditcardforum.com/blog/american-express-credit-limit-increase/ http://www.bargaineering.com/articles/american-express-credit-card-limit-increase-tutorial.html
amex maximum credit limit I should ask for