Posted by William Charles on September 15, 2014
Credit Cards

Published on September 15th, 2014 | by William Charles

35

How To Reallocate Your Credit Limits With American Express

Previously we’ve shown you how to get a 3x credit limit increase with American Express (which is useful for increasing your total available credit, which in turn should decrease your credit utilization which in turn should improve your FICO score). Today we thought we’d show you how to reallocate your credit limits between different American Express credit cards (obviously it’s not possible to do this with charge cards as they have no pre-set spending limit).

Restrictions In Reallocating Your Credit Limits

Some of these rules might not be enforced any longer.

  • A credit card must have been opened for a minimum of 13 months before it’s possible to transfer the credit limit from that card. (not enforced according to this data point)
  • A credit card should be at least 60 days old to transfer to that card.
  • Upgrading/downgrading cards has no effect on the clocks mentioned above.
  • Credit limits cannot be transferred from business to consumer cards. It is possible to transfer from consumer to business, business to business and consumer to consumer. It’s also not possible to transfer limits to or from charge cards as they have no preset spending limit.
  • You cannot reallocate your credit limits more than once every thirty days

How To Reallocate Your Credit Limit Online

F.A.Q’s

Does this result in a hard credit pull?

No, it’s only a soft pull to reallocate your credit limit with American Express. If your credit limit exceeds $25,000  before or after the reallocation on any one card then you might be hit with a hard pull. There are also reports of increased scrutiny/financial reviews on people with limits higher than $25,000.

I don’t see the option to transfer from a specific card, what gives?

How old is your card? If it’s not at least twelve months old it’s not possible to transfer from this card and that’s why the website won’t give you option.

How long does it take for it to process?

Almost instantly in most cases, although you should allow a minimum of 15-30 minutes before worrying

I received a “request being processed” message and that they would get back to me within 7 to 10 business days. Why did this happen?

There are two main reasons as to why this might have happened, they are:

  • The card you’re trying to transfer from is less than 13 months old or the card your trying to transfer to is less than 60 days old
  • When you entered your income information, it didn’t match what American Express has on file

If it’s the second reason, it’s worth calling up American Express to get your income information update and mentioning the failed credit limit request.

How long do I have to wait between transfers?

Currently unsure on exact dates, if you have any data points then please share them in the comments.

Hopefully you find this information useful, we will be adding similar information for all other major credit card issuers in the future. If there is a topic you’d like us to cover, make sure you contact us.

Hat tip to Frequentflyerbook who found the information in this FlyerTalk thread



35 Responses to How To Reallocate Your Credit Limits With American Express

  1. Steve says:

    I just ran across this posting – perfect since there wasn’t a link for me on the amex page.

  2. Parkerthon says:

    I was able to transfer credit from a fairly old American Express Blue Cash Preferred to a Classic Blue Cash card with a phone call. The new card was only open 30 days at the time. They mentioned that since I had been a card holder since 2007 they didn’t have an issue with it. No flexibility on transferring credit from a card that is not at least open 13 mos however.

  3. ES says:

    The link to move credit does not work for me. The cards are the correct ages. But all of my Amex cards have their own login info and online accounts, since that was at one point recommended to get more Amex offers. Do I need to merge the two accounts into one to use the link?

    What about sending a DM? Does that work? Or just calling? That wouldn’t result in a Hard pull, would it? – it’d be the same as doing it online, that is,no hard pull…?

    I want to move credit from my SPG Personal card to the Amex OBC. Both are under $25K and will be even after the CL move.

    Thanks!

  4. Caveet says:

    Thanks for providing this link! I had thought this disappeared after Amex redesigned their website.

    It appears they don’t always enforce the requirement that a card be 60 days old to transfer to it. I was able to transfer limits today from an older card to a new card that I applied for a week ago, and just activated today.

  5. Ted says:

    One needs to wait at least 30 days between two transfer requests, otherwise it will be denied instantly.

  6. Eddy says:

    Can confirm doing via phone only has 30 day new acct restriction! Thanks stranger!

  7. Presley says:

    Just tried this. It says it will take 10 business days to reach a decision.

  8. Anil says:

    [Data Point]
    I have done Credit Line movement from an existing Amex card(older than 13 months) to my new card(7 days old) for $3000 and got approved instantly and it is reflecting right away.

  9. Shyam says:

    Thanks,
    I was able to transfer 10K from an old account(14 months) to a new account(3 days) and the reallocation request was approved instantly.

    You need to have both the cards in the same profile to reallocate funds.
    Please follow the steps if you’ve separate accounts.
    Remove the new card from Online management( say profile2) and add it to your old account profile(say profile1).
    Complete/wait for the reallocation decision and remove the new card from the old profile.

    You don’t need to create a fresh profile for the new card. Try to login to your profile2, it’ll ask your card details again. Once done you can use the same profiles with the new credit limits.

  10. Jeenie says:

    Thanks to others that have posted their success!
    I was also able to reallocate $14,500 from old account (1yr.7mos) to new account (9 days) successfully.
    Instantly approved!

  11. Bodiddely says:

    Data point – was able to instantly reallocate 10k from my 3 year old Blue Cash Preferred to my new SPG card (approved yesterday but with only a 2k limit).

  12. Bodiddely says:

    I discovered an additional restriction – you can only reallocate among your cards once every 30 days. I reallocated to my new SPG card on 3/16, and about a week later tried to move some credit over to a new Everday Preferred card. I got the 7-10 days message, then received a letter stating they could not approve it since you can only reallocate once per 30 days. I’ll try next month and report back whether it gets instantly approved (like my SPG reallocation on the 16th).

  13. Bodiddely says:

    Any details available on this aspect? “A credit card must have been opened for a minimum of 13 months before it’s possible to transfer the credit limit from that card.”

    I have a card opened 11/16/2015, looking to transfer from it and close it out – what’s the earliest I could do so? 12/16? 17? Thanks!

  14. Ray says:

    I just relocated 10k from my Delta card 7months old to my 2 weeks old BCE no problem

  15. Jeff says:

    FYI as a data point, I found your site when I wanted to move some credit around. I moved 5,800 from my Hilton Honors (which I never use because I also have the Surpass) to my brand new SPG card which I just opened a week ago. I also have had the Hilton Card for only 8 months give or take a month.

  16. T says:

    FYI, if you’ve had a american express financial review where they set a pre-set spending limit on your accounts (like a charge card), they will not let you move credit from one card to another between your credit cards. As soon as the pre-set spending limit is lifted from your charge cards, then this will work between credit cards.

    I don’t really get why this is the case, but it is.

  17. Mark Zhang says:

    I received an instant approval and did a second one, receiving the notice:

    Your request is being processed. You will receive a written response within the next 7 to 10 business days.

    Presumably a denial. I will try again in 30 days and see if I can confirm the 30-day restriction between two reallocations.

  18. VM says:

    It’s better to update this post because Today I transferred from 2 weeks old account to 6 months old account with instant approval

  19. SK says:

    Amex relocated 4000 out of 10000 from my 2 yr old Blue everyday (less used now) to new blue cash everyday automatically this month. I was able to move 4K more from Hilton to Blue cash everyday (8 months old). They extended only 3K new credit on this new blue cash everyday.

  20. sirtheta says:

    DP: my Hilton HHonors card has been open for 93 days and I have no problem transferring half its CL to my just-activated ED.

    Alternate instructions (in case that link ever gets re-routed): go to Account Services > Credit Management on any credit card, and then click “Transfer Available Credit to Another Card”. You’ll then be presented with this screen & can move your credit: https://www.doctorofcredit.com/wp-content/uploads/2017/01/transferavailablecredit.png

  21. Kevin says:

    I got approved for an AMEX ED card on December 7, 2016 and was able to reallocate some of the credit limit to the AMEX SPG that I was approved for yesterday (January 23, 2017).

  22. Erik says:

    William,

    I was able to transfer CL from SPG to a brand new Surpass card. I don’t believe the 60 day limit is currently enforced.

  23. Jeff says:

    I just did a credit line allocation. Moving from an existing card (10 months old) to my new card (just applied- 0 day old) for $5000 and got approved instantly.

  24. Dave says:

    DP – moved Hilton opened Aug 2016 moved to SPG opened Jan 2017. Moved over 10k via chat. Representative read me the following disclosure regarding annual income and asked me what my income was then made the transfer with no problems

  25. mingjie says:

    spg personal opened for 10 months, spg business two weeks. moved 7k to spg business with no problem

  26. JB99 says:

    DP to add.

    Using the link provided above, I transferred $4,000 from the no-fee Hilton card to the Hilton Surpass card. The no-fee card is 11 months old, the Surpass is 12 months old.

    Instantly approved. On-screen message said it would take up to 15 mins to be updated, when it fact it was instant.

  27. Nancy says:

    This is an old post – but thank you! This is so helpful. The message said “Thank you,
    Your request has been approved. Your Credit Limits will be updated within the next 15 minutes.”

    Both cards I transferred from were over 12 months old.

  28. Andrew says:

    Transferred 24,500 from 6 month old SPG to 58 day old Surpass instantly online. Credit limit increase request on Surpass wanted 4056T. I cancelled out of that and did the transfer instead.

  29. werebros says:

    Just a heads up, I don’t think the following rules apply any longer:

    “A credit card should be at least 60 days old to transfer to that card.”
    and
    “A credit card must have been opened for a minimum of 13 months before it’s possible to transfer the credit limit from that card. (not enforced according to this data point)” – (adding more reinforcement).

    I had a $1,500 limit on an SPG that I opened a couple months ago, and either the same day that I was approved or confirmed card (can’t remember which) I was able to transfer credit from an Everyday card I had that was 6 months old at the time. Just a heads up. Did this all through Chat.

      • eclipsor says:

        to add to this, I recently got approved for a Blue Biz + for 2k. Right away I did the online request to move limit from a 13+ month old blue sky and it kept giving me errors and saying that system is down now. So I tried asking in the Chat and they went to try it then said they already had my request in and that I’d find out a decision but usually the card has to be open at least 30 days. About a week later I log in and notice my limits moved around. Later on I get a letter in the mail saying my request was approved.

  30. MarcoPolo says:

    @DoC
    Just wanted to add that both cards have to be under same login in order for this to work.
    All my Amex cards are under separate login (to take advantage of Amex Offers) so the only option available to me is via chat.

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