Source
r/amex•
HotCredit

Amex 4/5/6 still in effect?

Hi

I currently have both amex bonvoy cards ( biz and brilliant) and Hilton Amex Biz. In total 3 amex credit cards, no charge ones yet. Is there any way of finding out how many Credit cards I can have according to the 4/5/6 rule? How many credit cards do you guys have? I think it would be useful as I'm trying to figure out my next card application between BBP and no AF HH and surpass and aspire cards. thanks!

FICO:800 3/24 income: 72K

Posted Oct 4, 2019, 1:41 AM UTC

110
LongEZEPlatinum•

I’ve heard of some people having more than 5 even if it’s not because of the citi product changeover. Those are extremely rare though. I tried to test the waters and get a 6th and was told I had to close one.

3
BornFeed•

You can have unlimited charge cards and 5 credit cards. Some have 6 if they had the Citi Hilton when it was converted over to Amex.

2
BoochBeam•

If I’m at the cap and cancel one, can I immediately get another one?

2
BornFeed•

Yep. Or you can apply and call recon and they’ll ask to close one.

2
BoochBeam•

Nice! Do you lose the SUB if you close one you just got the SUB for? I wasn’t able to find anything in the print saying it has to stay open for a certain amount but you never know.

1
BornFeed•

You’ll want to keep all cards open at least a year or until the annual fee posts. They can claw back the SUB if you close it under a year.

1