American Express Credit Limit Increase Strategies In 2014

Posted by CreditCardGuru

American Express has created a brand perception that involves catering to upper middle class professionals and providing high credit limits. Following the financial crisis several years ago this image clashed with reality a bit as Amex experienced significant credit losses and tightened their credit standards considerably. Fortunately, as the economy has improved so have the odds of not only qualifying for an American Express card but also receiving a more generous credit line than in recent years. And, for those with an existing Amex card wanting a more substantial credit line, consider the following strategies…

Method #1: Apply for a new account and re-allocate your credit Limits

There have been many complaints on our forum that when people request an increase, often times the amount given (if given at all) isn’t much and they have to take a hard credit inquiry to get it.

Since you’re going to have to take a credit inquiry, here’s a better idea..

American Express will let you re-allocate credit limits on your personal (non-business) cards. So, if you have two different cards each with $10k limits, for example, you may be able to move $5k from one and add it to another (leaving you with a $15k limit on one card and a $5k limit on the other). Many forum members have enjoyed success using this technique, so fear not if you’re thinking this is more theory than practice.

But what happens if you don’t have any other AmEx accounts – OR – you do and you don’t want to decrease any existing credit limits? Well, many people reportedly have had great success by opening a brand new account and then re-allocating some of its credit limit to the card on which you want to have a higher limit. As with the reallocation technique, there are many forum users who have been more satisfied going this route compared to the amount of credit line increase they expected had it been requested in the usual way.

What are the best Amex offers for 2014 with which to attempt this?

The Green/Gold/Platinum are charge cards without preset credit limits, so those won’t be of any use. Instead, you will want to apply for one of their credit cards.

Method #2: Request An Increase on Existing Account (Not Advisable)

This is the most conventional way to go about increasing your credit card’s limit, but also the least preferable due to the (1) hard credit inquiry, and (2) you might only get a very small credit line increase, if you in fact receive one at all.

AmEx webpage for line of credit requests

It used to be that you could request a credit limit increase from the AmEx website quite easily when you were logged into your account. However you’ve probably noticed that option is no where to be found over the last few years, not even on the account services page (seen above).

There used to be a tab for “LINE OF CREDIT” and when you clicked on it, a drop down option would appear for “INCREASE YOUR LINE OF CREDIT”

Unfortunately, it is no longer possible to do this through their website. In order to try, you have to contact Amex customer service and make a formal request. You can give it a try, but many people on our American Express forum complain that they haven’t had good luck that way; either their request is denied altogether or they are only granted a very paltry increase. far below what they requested.

The worst part is that even with a puny CLI they still experience a “hard pull” credit inquiry that will now be reflected in their credit report. So, if they are going to experience a hard pull, they might as well do it for something worthwhile like applying for a new card that offers some sort of signup bonus and good rewards program.

This post was written or last updated August 4, 2014

Editorial Disclosure: The editorial content on this page is not provided by any bank, credit card issuer, airline or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

19 comments... read them below or add your own

  1. Mohamed March 20, 2015 at 8:40PM

    Is your Amex business credit card count with your personal one regarding your card cl

  2. Adler March 17, 2015 at 2:36PM

    I just got a CLI from 8400 to 25000 through the Amex website (No baddies on CRs and FICO=779). The CLI increase link is indeed there (from the top of the page, click Profile > Credit Management > Increase Line of Credit). Approval was literally faster than clicking the mouse button.

    Also, I followed up the approval with a call and confirmed with an Amex rep that Amex does a Soft Pull Inquiry initially for CLIs. If you are declined the CLI, it will remain as a ‘Soft Pull’. If approved during the Soft Inquiry, only then does Amex follow up with a ‘Hard Pull’ than dings your CR.

  3. JOSE December 23, 2014 at 10:27AM


  4. AmexCustomer December 19, 2014 at 6:29AM

    This info isn’t correct at all. I’m twenty years old with 2 years credit history, and they just bumped me from 7500 to 15000 and I asked on their website. There is indeed a link available if you log in.

  5. Don December 5, 2014 at 12:28PM

    This is not true. I started with a $12K line that Amex reduced to $6K. I paid off all o/s and have paid off balance monthly in full. In about a year and half, I’ve had my CL increased from $6K to now $25K. Amex will not pull a hard request for CL increase request. My requests were reasonable, in increments of $5K, and the last one, I requested a $10K increase to $25K. Before the rep could finish saying “This will need to be reviewed by underwriting…”, it was approved instantaneously. Granted, I charge several thousand, to to $4K/$5K per month and pay it all off. And, you can only request a CL increase every 6 months on any Amex card, meaning I couldn’t do a CL increase request on my other Delta Amex card because I just got a $10K increase on my Amex green card.

  6. J September 15, 2014 at 12:04AM

    This information is not accurate at all. It is very simple to request a credit line increase from American Express through the website, or by calling. I just did so by clicking Profile -> Manage Credit -> Request Increase. You enter the amount requested, which after 60 days in good standing, they will commonly issue a 3X increase, and you get an instant decision. The available increase was available immediately, and says it is available for use within 15 minutes.

    • d October 2, 2014 at 3:38PM

      They were just saying that requesting a credit line is the least desireable because it puts a hard inquiry on your account

  7. Hoo September 3, 2014 at 2:50PM

    I just filled out an application on to increase from 5k to 10k and was automatically approved. I will have access to that in 15 minutes. I am not interested in having additional cards.

  8. joe w July 14, 2014 at 10:46PM

    just confirmed with amex that no hard pull for credit line increase.

  9. Jesse December 28, 2013 at 6:44PM

    I am actually not sure what the poster of this blog is talking about. You can very easily go to account management with AMEX and click on “manage credit limit” I just recently increased my line to $10k online.

    • Eric March 12, 2014 at 11:23PM

      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’s easy to do it all online and I was instantly approved for a credit limit increase of $9,500.00!

  10. Boris November 13, 2013 at 11:44PM

    I have one Amex, which i was added on through a family member, and i have a limit of 19,500 (Costco Card, so i dont have to pay membership). I decided to open one of my own cards and i got Delta gold, which is a great card by the way. They gave me a limit of 1600 i think. I paid my bills on time and in full every time, one year later they increased my limit to 2700 without pulling a report or anything. The secret is really to pay your bill more then once a month, when they see that you are trying to run low debt credit ratio they will increase it. I usually charge about 2K monthly on my card, and i pay it twice a month.

  11. Payvand October 24, 2013 at 1:57PM

    I just got off the phone with Amex and asked for a Credit Limit Increase. They told me that they do not pull a “hard” Report (only a soft hit) they had given me a $1200 increase 2 months ago, and i just asked for a $1000. I was approved with no “hard” inquiry in a couple of seconds.

  12. David P Harrison March 28, 2013 at 10:36PM

    Hello, I have been with American Express for quite awhile and have never missed or been late on a payment and I would like a credit limit increase.

  13. Jake Hanover October 25, 2012 at 8:29AM

    I hear that once you go beyond a $25k credit limit with American Express on a single card they will need to verify your income. But ironically you can have multiple cards with $25k credit limits and they don’t do that. Have you ever heard this?

    • john November 16, 2013 at 6:50AM


  14. Rep July 18, 2012 at 2:56PM

    When it comes to personal cards – If your TOTAL credit limit on all the cards if $34,500 or more, we would always ask for a 4506T form, which authorizes us to get your 1040s from the IRS. For Example – If you have 2 personal cards with a limit of $10,000 each, and you ask for a Credit Limit increase of $ 15,000 which would make your credit limit $25,000 on this card and $ 10,000 on the other card, we would ask for a 4506T because you are requesting your total credit limit to be $35,000. However, if you ask the credit limit to be $34,000, you might get approved.

    Credit Limit Analyst

    • Jack November 4, 2013 at 2:05PM

      For many years and even the past month, I have not found this to be the case. Many Amex cardholders on multiple forums have reported going well beyond $34,500 in TOTAL Amex credit limits with no request for financials or a financial review. Some have done this in a very short period (in as little as 1 year of Amex membership history) by opening multiple credit cards and a subsequent CLI. Perhaps Amex has mentioned your discussed policy internally, but their system doesn’t seem to enforce it.

      On the other hand, it does seem Amex often requests financials to approve CLIs that will result in a limit greater than $25k on a SINGLE Amex credit card. If one does not agree, then the CLI is denied; unlike the “true” Amex financial review where your accounts are closed for not complying.

  15. Toby March 31, 2012 at 8:19PM

    It never hurts to request a line increase whenever possible if you have at least 6 months of good payment history. Except for the hard credit inquiry.

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