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10-01-2012 08:17 PM
10-01-2012 08:28 PM
The bonus points are typically credited about a month after they "give" them to you. When I got my Zync, I had a spend some amount (I forget) and get 10k mrp's. I never got them, called and they said they would credit them to me. It took about one billing cycle. As for the limit, I don't know wha advice to give you on that
10-01-2012 08:39 PM
Pretty recently somebody was on here posting that he had his hard limit removed from his charge card, so it does happen. If it hasn't happened after a year, I'd suggest calling Amex about it. If you're really anxious about it, you could go ahead and call now and inquire about it.
10-01-2012 10:32 PM
I believe the hard limit is removed after 1 year. Mine was, and that tends to be the experience of most others. AFAIK, Amex will not remove this earlier than 12 months.
10-02-2012 07:55 AM
just out of curiosity, why did they FR you to begin with?
I just don't want to get FR'ed on my new Amex BCE revolver...
that would suck.
10-02-2012 07:59 AM
10-02-2012 08:04 AM
Amex has an internal scoring system to measure risk. After your FR they likely concluded that they are willing to extend you upto 3,000.00 given your risk factors. Many different things make up what is considered risk, such as income, assets, employment history, credit score, baddies, utilization, AAoA, history with Amex, etc.
It's generally best to not rock the boat so to speak with Amex. They don't randomly place hard caps, it's done with reason.