Amex PRG

[Anonymous]

It's quite common for them to put hard limits on Charge cards. Amex is easily spooked.

[CostantinoA]

How often do the hard limits normally last? My credit was worse than it is now at approval. That is why I am confused.

[Anonymous]

---

@CostantinoA wrote:
How often do the hard limits normally last? My credit was worse than it is now at approval. That is why I am confused.

---

according to Boston, whenever they feel comfortable again. That probably means that after a few statements PIF at a reasonable balance they'll lift the restrictions; you could always try to call in to dispute but they'll probably just give you an explanation of why they're spooked.

[K-in-Boston]

Like I said earlier, most people have said 6-12 months. I think it was the $4k purchase out of nowhere that did it since that is not your typical spending habit since opening the card. Doesn't mean they won't lift it sooner. Pay that $4k and charge $2k the next cycle. It's a charge card, so the CBs will never know about the limit and there is no need to worry about util.

[CostantinoA]

You would think they would have declined the charged if they were so scared about it. They put the limit on the card like 5 days after the charge. The statement didn't even cut for it yet. Amex is weird.

[K-in-Boston]

In 15 years, I've never had a declined charge paying with AmEx and I have pushed the envelope a few times. Usually unless they think there's fraud they'll approve it. It was more likely a case of let's limit it there for a while and see how OP does.

[CostantinoA]

I see. Thanks

[MyLoFICO]

---

@Anonymous wrote:
It's quite common for them to put hard limits on Charge cards. Amex is easily spooked.

---

Maybe that is why I keep getting declined. Well, I did a year or so ago. My credit spooks me sometimes too. lol