Actually, a $2000 CL isn't too bad considering that you have $300 CL's with FP as your other current accounts.
When I opened my first AMEX years ago, they allowed up to a whopping $600 the first month. Fast forward 2 years later, my GREEN had gone to GOLD then to PLATINUM and I had charges as high as $87,000+.
AMEX starts by looking at your current credit and income. Then they will factor in you spending and payments patterns and useage of your AMEX account.
Also remember, that since it is a PIF charge account, the limit may not be as high as one with the option to pay over time, depending on your income and credit.
The point is, if you want the Platinum card, don't expect $25k out of the chute. You don't have the credit to support it. But if you spend up to $2k for the first few months, chances are you'll move up (proportionate to your application stated income) over time as you PIF.
However, if you spending is very high rapidly, without having past credit to show a history of use, you are more likely to undergo FINANCIAL REVIEW which means they will require you to allow them to pull copies of your past tax returns directly from the IRS.
As stated by condord, you might want to consider going with GOLD (or maybe even GREEN) to lower the AF, unless you really want/need the Plat travel perks. In that case, the AF should be considered you cover fee for those items, not for a huge CL.
Lastly, if you can qualify for membership, apply at NFCU for a CC. Chances are that once the AMEX reports on your CR, then you app NFCU you would get a fairly high CL. There are many people who got $10k or more having their other credit highest CL at $500 to $1500.
Message Edited by txjohn on 08-28-2009 05:36 AM
