CardHunter
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06-01-202411:23 AM
06-01-202411:23 AM
AMEX Hilton Honors Card
I was wanting this card for the free night + the free 70,000 points so I was approved for $10,000 (no HP) which was great, but they pulled $10,000 off of my Blue Cash Preferred card and left that card with a $15,000 limit, that kind of shocked me... Does this mean im at my limit with Amex or something? I still show a pre approval for the Gold, Platinum and aPersonal loan up to $25,000. This is my second card with Amex if that matters.
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Jeffster1
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06-01-202412:15 PM
06-01-202412:15 PM
Re: AMEX Hilton Honors Card
Yes, normally when they use part of an existing card's CL to create a CL on a new card, it means you are currently at the maximum amount of credit they are willing to extend you at this time based on a myriad of factors including your CR, your history with Amex , DTI and income. To try to push past that amount at this time COULD...but not necessarily...trigger the dreaded Amex FR.
The amount of credit they are willing to extend you can increase over time.
FICO 8 (3/1/24) EX 805 EQ 824 TU 844
Current lineup as of 9/23
American Express Gold | American Express Blue Cash Everyday 11K | American Express Blue Cash Preferred 10K I American Express Marriott Bonvoy Bevy 10K I American Express Hilton Honors Surpass 3K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One SavorOne MC 3K | Capital One Walmart MC 2K | NFCU Amex 20K | NFCU CashRewards Visa 20K I Citi Best Buy Visa 10K I Macy’s Amex 6.5K I Bread Financial American Express 8K l AAA Daily Advantage Visa Signature 6K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Chevron Techron Advantage Visa 2.5K I JCPenney Mastercard $6K I UCLA Wescom CU Rewards Visa 7K I
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CardHunter
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06-01-202412:36 PM
06-01-202412:36 PM
Re: AMEX Hilton Honors Card
@Jeffster1wrote:Yes, normally when they use part of an existing card's CL to create a CL on a new card, it means you are currently at the maximum amount of credit they are willing to extend you at this time based on a myriad of factors including your CR, your history with Amex , DTI and income. To try to push past that amount at this time COULD...but not necessarily...trigger the dreaded Amex FR.
The amount of credit they are willing to extend you can increase over time.
Thank you for the info.
Message 3 of 16
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FicoMike0
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06-01-202412:52 PM
06-01-202412:52 PM
Re: AMEX Hilton Honors Card
Congratulations!
Message 4 of 16
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JoeRockhead
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06-01-202401:45 PM
06-01-202401:45 PM
Re: AMEX Hilton Honors Card
I don't know... Maybe you're at some sort of internal limit. Maybe you've just not been utilizing enough of that $25k BCP every month and their algorithms said 'Hey, wait a minute, here's a solution. Now we can continue to throw the Gold, Platinum, and personal loan at him'
Congratulations on your new HH card!
Message 5 of 16
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Jeffster1
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06-01-202402:00 PM
06-01-202402:00 PM
Re: AMEX Hilton Honors Card
@CardHunterwrote:@Jeffster1wrote:Yes, normally when they use part of an existing card's CL to create a CL on a new card, it means you are currently at the maximum amount of credit they are willing to extend you at this time based on a myriad of factors including your CR, your history with Amex , DTI and income. To try to push past that amount at this time COULD...but not necessarily...trigger the dreaded Amex FR.
The amount of credit they are willing to extend you can increase over time.
Thank you for the info.
@CardHunterIt's definitely something not isolated to Amex. Congrats on the card. At least now you have two cards to grow. And since Amex is so great with SP CLIs, you should be able to grow both.
FICO 8 (3/1/24) EX 805 EQ 824 TU 844
Current lineup as of 9/23
American Express Gold | American Express Blue Cash Everyday 11K | American Express Blue Cash Preferred 10K I American Express Marriott Bonvoy Bevy 10K I American Express Hilton Honors Surpass 3K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Platinum Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One SavorOne MC 3K | Capital One Walmart MC 2K | NFCU Amex 20K | NFCU CashRewards Visa 20K I Citi Best Buy Visa 10K I Macy’s Amex 6.5K I Bread Financial American Express 8K l AAA Daily Advantage Visa Signature 6K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Chevron Techron Advantage Visa 2.5K I JCPenney Mastercard $6K I UCLA Wescom CU Rewards Visa 7K I
Message 6 of 16
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CreditAggie
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06-01-202402:02 PM
06-01-202402:02 PM
Re: AMEX Hilton Honors Card
Congratulations on your Amex approval!
Current Cards (in order of approval):
Current FICO 8 | 9 (May 2024):
Credit Age:
Inquiries (6/12/24):
Banks & CUs:
Message 7 of 16
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CardHunter
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06-01-202403:09 PM
06-01-202403:09 PM
Re: AMEX Hilton Honors Card
Thanks
@JoeRockheadwrote:I don't know... Maybe you're at some sort of internal limit. Maybe you've just not been utilizing enough of that $25k BCP every month and their algorithms said 'Hey, wait a minute, here's a solution. Now we can continue to throw the Gold, Platinum, and personal loan at him'
Congratulations on your new HH card!
LOL! Thanks! I really believe they want another AF. card in my wallet.
Message 8 of 16
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CardHunter
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06-01-202403:11 PM
06-01-202403:11 PM
Re: AMEX Hilton Honors Card
@Jeffster1wrote:@CardHunterwrote:@Jeffster1wrote:Yes, normally when they use part of an existing card's CL to create a CL on a new card, it means you are currently at the maximum amount of credit they are willing to extend you at this time based on a myriad of factors including your CR, your history with Amex , DTI and income. To try to push past that amount at this time COULD...but not necessarily...trigger the dreaded Amex FR.
The amount of credit they are willing to extend you can increase over time.
Thank you for the info.
@CardHunterIt's definitely something not isolated to Amex. Congrats on the card. At least now you have two cards to grow. And since Amex is so great with SP CLIs, you should be able to grow both.
That is a great point and I totally agree. Amex has been really good to me over the past 2 years.
Message 9 of 16
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EAT_SLEEP_JEEP
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06-01-202403:59 PM
06-01-202403:59 PM
Re: AMEX Hilton Honors Card
congrats
KEEPER EVERYDAY CARDS/ AMEX CHARLES SCHWAB PLATINUM NPSL/ AMEX GOLD NPSL / AMEX GREEN NPSL/ AMEX EVERYDAY PREFERRED $30,000 CL/ AMEX BLUE BUSINESS PLUS $5000 SL/ AMEX BLUE CASH EVERYDAY $18,000 / FIDELITY REWARDS VISA $23,500 SL/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $33,000/ WELLS FARGO AUTOGRAPH $8200/ CITI COSTCO ANYWHERE VISA $6000 SL/ DISCOVER IT $3000 SL/ CAPITAL ONE SAVORONE $3000 SL
SOCK DRAWERED/ FNBO JEEP CARD $7700/ APPLE CARD $6500/ / PAYPAL CREDIT LINE $1700
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