I got out of Amex FR ALIVE!

[trumpet-205]

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@Membersince2013 wrote:

I'm glad i did too. So, does anyone know when the NPSL will comeback on my PRG? Is it at the end of the year or does it take a year (as in september of next year)?

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Have you asked FR department? I have never seen hard limit goes away by themselves.

[Membersince2013]

I should have asked! I read that it changes back after a year.

[the_jan_b]

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@Membersince2013 wrote:

Apart from the fact that they slashed slashed my credit limit and put a hard limit on my PRG, everything is looking positive from here on out!

PRG - Hard limit of 3k

Delta Skymiles was left alone at 1K. Not much they can do to that limit anyways...

BCE was left at 4.5k

Costco Amex was left at 1.2k. Not much they can do there anyways..

Hilton Honors - slashed from 10.5k to 4.6k

Basically, whate i learned from this is that it's always better to submit your tax transcript regardless of what you stated on your app. Assuming you get an understand account manager, everything will be fine. I'm not happy that my PRG has a hard limit, nor am i happy that my highest CL is now 7k BUT i'm at least happy about my cards not being cancelled.

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Glad you survived!!  Drinks on me!!! 

[Bman70]

Congrats! I remember reading your FR thread, glad you bit the bullet and gave them the records. You may have lost a little CL but the character built more than makes up for it.

[Membersince2013]

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THANKS everyone! I'm really happy that they didn't close any of my accounts. 

[Membersince2013]

Just to offer some more insight. Amex has removed the limit placed on my PRG card. I received a letter that the hard limit placed on the card from last year has been removed and my limit is now NPSL as before. So basically, the hard limit is not forever.

[NRB525]

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@Membersince2013 wrote:

Just to offer some more insight. Amex has removed the limit placed on my PRG card. I received a letter that the hard limit placed on the card from last year has been removed and my limit is now NPSL as before. So basically, the hard limit is not forever.

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Congratulations and thanks for the update.

Any change in the revolver limits?

[Anonymous]

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@Jaylima91 wrote:

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@taxi818 wrote:

You know .. this reminds of  the story of having all the eggs in the same basket. I wonder if that is what triggered this fr from them. i think i will only got for 1 revolver and 1 charge with them. they are not that good to  be so intrusive . did you do anything to trigger this? because they are the one's keep approving you for all these cards. hmmm.

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Yes, OP stated the change in his income triggered the FR.

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The change in his income triggered the AA. He did not say what triggered the FR. What triggered the FR OP, if you dont mind me asking. Do you know?

[Anonymous]

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@Membersince2013 wrote:

Just to offer some more insight. Amex has removed the limit placed on my PRG card. I received a letter that the hard limit placed on the card from last year has been removed and my limit is now NPSL as before. So basically, the hard limit is not forever.

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Congrats!!! Thanks for the update!

[Membersince2013]

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@NRB525 wrote:

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@Membersince2013 wrote:

Just to offer some more insight. Amex has removed the limit placed on my PRG card. I received a letter that the hard limit placed on the card from last year has been removed and my limit is now NPSL as before. So basically, the hard limit is not forever.

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Congratulations and thanks for the update.

Any change in the revolver limits?

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Well, since then, my revovler limits have sort of exploded. I now have several 20k lines. Maybe thats what they saw and liked. I'm not sure.