Amex NPSL charge card question...

Open123 · ‎04-08-2012

Curious if anyone knows the answer to this question.

Does the NPSL history and limit carryover to a new charge card? In other words, if one cancels an existing charge card to apply for a new one, does the NPSL charging limits and history carryover?

Thanks!

jefftca925 · ‎04-08-2012

You can always do the "Check Your Spending Ability" link on the website? I believe it changes periodically based on spending habits.

CCs: Chase Freedom VS 12.9k, CSP VISA Sg 13k, BofA Amex 24.5k, Discover 12.5k, US Bank Cash+ Visa Sg 17k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Costco Amex 12k, BofA CR VS 5k, Amex BCP 13.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 8k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase Hyatt VS 8k, Citi Simplicity 13.3k, PayPal MC 7.5k, BBVA Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 16.3k, C1 QS Visa 11k, FRN MC 15k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Arrival WEMC 10k, Ebates VS 8k, Orbitz VS 12k, NASA V 30k, USBk FP VS 21.5k, DC 30k, VirgAm 15k, Sams MC 15k, Amex Bz Gold, Amex SC 10k, BofW Bz MC 18k

pizzadude · ‎04-08-2012

I suspect that AMEX would base the internal limit on a new card at least partially on any previous limits and payment history of previous cards. I doubt that it would carry over identically however.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

LS2982 · ‎04-08-2012

@Pizzadude +1

EQ FICO 548 3/3/16

Scene · ‎04-08-2012

No but to be honest we don't really know since our basis is on the assumption that the NPSL is built directly on history with the card only.

Open123 · ‎04-08-2012

@Scene wrote:
No but to be honest we don't really know since our basis is on the assumption that the NPSL is built directly on history with the card only.

Yeah, my impression was that it's based more on the particular card. I think overall cards and limits play a role, but the NPSL is predicated primarily on the history of the charge card in question.