topic Re: Question re: my AMEX Gold “limit” in Credit Cards

Question re: my AMEX Gold “limit”

Anonymous — Sat, 15 Jun 2019 02:15:09 GMT

Hello Everyone,

I’d love to hear your DP’s, opinions, thoughts, etc.

I was approved for the Bonvoy 8 months ago (CL $3,100). I was pre-approved for the gold and applied for that this wknd.

I was able to use the electronic card information right away and the physical card didn’t arrive until Wednesday. The paperwork with the card says that my POT amount is $15K. This is my first charge card so I thought that this meant that this if this is the maximum balance that I can revolve, I can charge this amount (because I have to spend it in order to carry the balance). I’m not sure if this is correct, it’s just what I thought.

I spent approximately $2,500 in about 10 minutes using the electronic card. I paid tuition, camp fees, and aftercare for the summer since school is already over. After charging this amount, I used the check my spending button the next daybto see if I could spend $1K on a bill. It was declined. I lowered the amount to $900 and that was also rejected.

I intend to pay half of my balance before the statement closes next month and then the other half by the due date.

I’m guess I’m just looking for more insight regarding the no preset spending limit and how it relates to the pot amount. I was surprised that the $1K was rejected since it wasn’t near the pot amount.

Sorry if this isn’t making much sense. I’m typing on my phone and I’m sleepy.

Thanks in advance for your help.

Re: Question re: my AMEX Gold “limit”

gdale6 — Sat, 15 Jun 2019 02:25:55 GMT

Moved to main CC forum for coverage

Re: Question re: my AMEX Gold “limit”

Anonymous — Sat, 15 Jun 2019 03:17:34 GMT

It's going to take a couple of cycles to figure out what your true limit is.

Charge cards work a bit differently. As you put money through them you build a history w/ AMEX. The computer evaluates your NPSL spending habits and approves per charge. As your pattern of spend goes up your limit goes up. Of course if you were to change something drastically on your CR's it would take that into account too in reducing your limit accordingly.

Re: Question re: my AMEX Gold “limit”

Anonymous — Sat, 15 Jun 2019 03:35:42 GMT

I was approved for the Amex Gold last weekend, started using it immediately, checked my spending power for flights I was going to book for $2600, approved. Have been using it for purchases since then, approx 3 weeks and currently have $3500 balance and continue to spend.

My DP’s are as follows:
Approved at FICo 670’s
Amex CO just paid off, not reflected on credit yet.
9 inq
4 other CO accounts from 2016, all paid.
In rebuilding mode with the limits shown in my siggy.

Re: Question re: my AMEX Gold “limit”

NRB525 — Sat, 15 Jun 2019 04:41:39 GMT

When I was working on my Platinum SUB a few months ago, I had about $1k of various charges. I have a history with AMEX from 2013, going through a number of cards, adding high AF cards, and about a $50k overall limit on my revolvers.

I was trying to get a $7k tax payment made on the Platinum, and it kept rejecting. I called AMEX and the CSR told me the available limit was at about $9k total, but he upped it a bit more just in case. That still didn't work, so the issue was with the tax payment site. I ended up calling the tax payment site, and did the tax payment over the phone, which went through no problem.

The point being, if you really want to know the current limit, a CSR should be able to tell you. Over the course of time, as your charge / payment patterns become known, the NPSL situation may lift the available charges in any one monthly cycle. As it is, running up $2,500 in a few hours is probably pushing the envelope for a new charge card.

Re: Question re: my AMEX Gold “limit”

CreditInspired — Sat, 15 Jun 2019 10:24:22 GMT

@Anonymous wrote:
Hello Everyone,

I’d love to hear your DP’s, opinions, thoughts, etc.

I was approved for the Bonvoy 8 months ago (CL $3,100). I was pre-approved for the gold and applied for that this wknd.

I was able to use the electronic card information right away and the physical card didn’t arrive until Wednesday. The paperwork with the card says that my POT amount is $15K. This is my first charge card so I thought that this meant that this if this is the maximum balance that I can revolve, I can charge this amount (because I have to spend it in order to carry the balance). I’m not sure if this is correct, it’s just what I thought.

I spent approximately $2,500 in about 10 minutes using the electronic card. I paid tuition, camp fees, and aftercare for the summer since school is already over. After charging this amount, I used the check my spending button the next daybto see if I could spend $1K on a bill. It was declined. I lowered the amount to $900 and that was also rejected.

I intend to pay half of my balance before the statement closes next month and then the other half by the due date.

I’m guess I’m just looking for more insight regarding the no preset spending limit and how it relates to the pot amount. I was surprised that the $1K was rejected since it wasn’t near the pot amount.

Sorry if this isn’t making much sense. I’m typing on my phone and I’m sleepy.

Thanks in advance for your help.

Right now AmX doesn’t know you or your good intentions; but what they see is a new card holder who is spending, spending, spending in 10 minutes. So, IMO, if you push a large payment before the due date and another large payment on the due date, AmX will also see a card holder who can also pay off big spends.

Re: Question re: my AMEX Gold “limit”

Anonymous — Sat, 15 Jun 2019 11:50:49 GMT

@Anonymous wrote:
Hello Everyone,

I’d love to hear your DP’s, opinions, thoughts, etc.

I was approved for the Bonvoy 8 months ago (CL $3,100). I was pre-approved for the gold and applied for that this wknd.

I was able to use the electronic card information right away and the physical card didn’t arrive until Wednesday. The paperwork with the card says that my POT amount is $15K. This is my first charge card so I thought that this meant that this if this is the maximum balance that I can revolve, I can charge this amount (because I have to spend it in order to carry the balance). I’m not sure if this is correct, it’s just what I thought.

I spent approximately $2,500 in about 10 minutes using the electronic card. I paid tuition, camp fees, and aftercare for the summer since school is already over. After charging this amount, I used the check my spending button the next daybto see if I could spend $1K on a bill. It was declined. I lowered the amount to $900 and that was also rejected.

I intend to pay half of my balance before the statement closes next month and then the other half by the due date.

I’m guess I’m just looking for more insight regarding the no preset spending limit and how it relates to the pot amount. I was surprised that the $1K was rejected since it wasn’t near the pot amount.

Sorry if this isn’t making much sense. I’m typing on my phone and I’m sleepy.

Thanks in advance for your help.

You spooked them. Assuming your only other card with them is that Bonvoy, you basically matched that limit in 10 min. Long term, the gold will grant you more month to month spending power than you’ll ever realistically need, but probably not in the first 10 min. They want to see that you’re going to pay regularly first.

Re: Question re: my AMEX Gold “limit”

UncleB — Sat, 15 Jun 2019 12:39:58 GMT

At the risk of sounding like a broken record, the POT limit doesn't have much to do with your spending limit.

I'm a light user of my Gold card, and they have assigned me a POT limit of $35k yet when I check the 'Spending Power" tool it indicates I would be approved for a purchase up to $4500 (which for my spend level and profile is usually more than adequate):

While in theory I should be allowed to revolve up to $35k via Pay Over Time (POT), I'm sure they would cut me off well before I got to that point.

Re: Question re: my AMEX Gold “limit”

Anonymous — Sun, 16 Jun 2019 01:33:57 GMT

I'm approved for the same $35K, and I'm not sure what my spending limit is, but I just checked and they're fine with $36,000. I've had the card since Sept. 2018 and the highest balance was $5,000.

Re: Question re: my AMEX Gold “limit”

Shadowfactor — Sun, 16 Jun 2019 04:18:36 GMT

@UncleB wrote:
At the risk of sounding like a broken record, the POT limit doesn't have much to do with your spending limit.

I'm a light user of my Gold card, and they have assigned me a POT limit of $35k yet when I check the 'Spending Power" tool it indicates I would be approved for a purchase up to $4500 (which for my spend level and profile is usually more than adequate):

While in theory I should be allowed to revolve up to $35k via Pay Over Time (POT), I'm sure they would cut me off well before I got to that point.

Well said and spot on

Re: Question re: my AMEX Gold “limit”

iced — Sun, 16 Jun 2019 14:52:56 GMT

I view NPSL as just that - I will spend what I think I must and pay it off at the end of the cycle. I have never used the "check spending" button (and in fact, I'll confess I'm not even sure where to find it on the mobile app). There is no "limit" to speak of.

My expectation with NPSL cards is if I wanted to spend $100,000 in one go they'll approve it, though perhaps not immediately. If they want to call me to confirm I really want to spend and/or see financial records showing I have the cash available, I'd understand and comply, but I do expect them to allow me to spend that much should I so choose. If they do decide to impose a limit on me, I'll just put that purchase on my CSR instead as Chase would approve it, even if it's over my limit.

Re: Question re: my AMEX Gold “limit”

Anonymous — Sun, 16 Jun 2019 15:21:04 GMT

@iced wrote:
I view NPSL as just that - I will spend what I think I must and pay it off at the end of the cycle. I have never used the "check spending" button (and in fact, I'll confess I'm not even sure where to find it on the mobile app). There is no "limit" to speak of.

My expectation with NPSL cards is if I wanted to spend $100,000 in one go they'll approve it, though perhaps not immediately. If they want to call me to confirm I really want to spend and/or see financial records showing I have the cash available, I'd understand and comply, but I do expect them to allow me to spend that much should I so choose. If they do decide to impose a limit on me, I'll just put that purchase on my CSR instead as Chase would approve it, even if it's over my limit.

Your expectation is somewhat at odds with reality. As Amex puts it,

No pre-set spending limit on purchases does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit record, and financial resources known to us. From time to time, proof of resources and security may be required to ensure you can consistently enjoy financial freedom and flexibility."

If you've been putting a lot of spending on the card, they'll likely approve $100k. If you haven't, it'll take more than a phone call while making the purchase.

Re: Question re: my AMEX Gold “limit”

iced — Sun, 16 Jun 2019 21:41:25 GMT

@Anonymous wrote:
@iced wrote:
I view NPSL as just that - I will spend what I think I must and pay it off at the end of the cycle. I have never used the "check spending" button (and in fact, I'll confess I'm not even sure where to find it on the mobile app). There is no "limit" to speak of.

My expectation with NPSL cards is if I wanted to spend $100,000 in one go they'll approve it, though perhaps not immediately. If they want to call me to confirm I really want to spend and/or see financial records showing I have the cash available, I'd understand and comply, but I do expect them to allow me to spend that much should I so choose. If they do decide to impose a limit on me, I'll just put that purchase on my CSR instead as Chase would approve it, even if it's over my limit.
Your expectation is somewhat at odds with reality. As Amex puts it,

No pre-set spending limit on purchases does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit record, and financial resources known to us. From time to time, proof of resources and security may be required to ensure you can consistently enjoy financial freedom and flexibility."

If you've been putting a lot of spending on the card, they'll likely approve $100k. If you haven't, it'll take more than a phone call while making the purchase.

I think you're saying a lot of the same thing I am, so allow me to clarify my position on expectation. I don't regularly put $100k on an American Express each month, but should I need to I expect to be able to. I'm not picking this (somewhat arbitrary) number to emphasize unlimited spending; I'm picking this number because it's a very reasonable but out-of-the-ordinary figure for my finances.

If I have over $1 million in liquid assets available to me, and I've made those assets known to the bank (which I have with Chase and am willing to with American Express), even if I normally spend $1,000 per month, should I find the need to spend $100,000 in a particular month it shouldn't be a problem. This is in-line with their published factors, as I can readily prove to them that I have the finances to back up my out-of-the-normal purchase pattern.

You could argue in this case my limit would be what I can afford based on my liquid assets. In that case, I don't need a "check spending" to see what my spending limit is, and it's effectively only limited by what I can afford. However, I tend to get the impression that a lot of people use the feature to try to measure out what their "limit" is in terms of how much credit American Express is willing to extend them. I think that's absolutely the wrong way to look at this; instead, think of a NPSL card as an extension of your own assets, a wrapper around your bank accounts, so to speak. You should not be spending more than you can afford, in which case each individual should already inherently know where their limit is without needing to ask the bank.

I'm ultimately spending my money, not theirs. I've entered into a contract whereby I'm allowing them the opportunity to collect merchant fees in return for providing me with reward points provided I repay in full my expenditures each month. My expectation is that they are not going to limit my ability to spend my money. If that's not the model they intend with charge cards, then they should stop wasting everyone's time and just slap limits on them like credit cards.

Re: Question re: my AMEX Gold “limit”

CreditInspired — Sun, 16 Jun 2019 22:49:30 GMT

@iced wrote:
@Anonymous wrote:
@iced wrote:
I view NPSL as just that - I will spend what I think I must and pay it off at the end of the cycle. I have never used the "check spending" button (and in fact, I'll confess I'm not even sure where to find it on the mobile app). There is no "limit" to speak of.

My expectation with NPSL cards is if I wanted to spend $100,000 in one go they'll approve it, though perhaps not immediately. If they want to call me to confirm I really want to spend and/or see financial records showing I have the cash available, I'd understand and comply, but I do expect them to allow me to spend that much should I so choose. If they do decide to impose a limit on me, I'll just put that purchase on my CSR instead as Chase would approve it, even if it's over my limit.
Your expectation is somewhat at odds with reality. As Amex puts it,

No pre-set spending limit on purchases does not mean unlimited spending. Your purchases are approved based on a variety of factors, including current spending patterns, your payment history, credit record, and financial resources known to us. From time to time, proof of resources and security may be required to ensure you can consistently enjoy financial freedom and flexibility."

If you've been putting a lot of spending on the card, they'll likely approve $100k. If you haven't, it'll take more than a phone call while making the purchase.
I think you're saying a lot of the same thing I am, so allow me to clarify my position on expectation. I don't regularly put $100k on an American Express each month, but should I need to I expect to be able to. I'm not picking this (somewhat arbitrary) number to emphasize unlimited spending; I'm picking this number because it's a very reasonable but out-of-the-ordinary figure for my finances.

If I have over $1 million in liquid assets available to me, and I've made those assets known to the bank (which I have with Chase and am willing to with American Express), even if I normally spend $1,000 per month, should I find the need to spend $100,000 in a particular month it shouldn't be a problem. This is in-line with their published factors, as I can readily prove to them that I have the finances to back up my out-of-the-normal purchase pattern.

You could argue in this case my limit would be what I can afford based on my liquid assets. In that case, I don't need a "check spending" to see what my spending limit is, and it's effectively only limited by what I can afford. However, I tend to get the impression that a lot of people use the feature to try to measure out what their "limit" is in terms of how much credit American Express is willing to extend them. I think that's absolutely the wrong way to look at this; instead, think of a NPSL card as an extension of your own assets, a wrapper around your bank accounts, so to speak. You should not be spending more than you can afford, in which case each individual should already inherently know where their limit is without needing to ask the bank.

I'm ultimately spending my money, not theirs. I've entered into a contract whereby I'm allowing them the opportunity to collect merchant fees in return for providing me with reward points provided I repay in full my expenditures each month. My expectation is that they are not going to limit my ability to spend my money. If that's not the model they intend with charge cards, then they should stop wasting everyone's time and just slap limits on them like credit cards.

Masterfully stated, indeed.

Re: Question re: my AMEX Gold “limit”

Anonymous — Mon, 17 Jun 2019 10:06:50 GMT

@Anonymous wrote:
Hello Everyone,

I’d love to hear your DP’s, opinions, thoughts, etc.

I was approved for the Bonvoy 8 months ago (CL $3,100). I was pre-approved for the gold and applied for that this wknd.

I was able to use the electronic card information right away and the physical card didn’t arrive until Wednesday. The paperwork with the card says that my POT amount is $15K. This is my first charge card so I thought that this meant that this if this is the maximum balance that I can revolve, I can charge this amount (because I have to spend it in order to carry the balance). I’m not sure if this is correct, it’s just what I thought.

I spent approximately $2,500 in about 10 minutes using the electronic card. I paid tuition, camp fees, and aftercare for the summer since school is already over. After charging this amount, I used the check my spending button the next daybto see if I could spend $1K on a bill. It was declined. I lowered the amount to $900 and that was also rejected.

I intend to pay half of my balance before the statement closes next month and then the other half by the due date.

I’m guess I’m just looking for more insight regarding the no preset spending limit and how it relates to the pot amount. I was surprised that the $1K was rejected since it wasn’t near the pot amount.

Sorry if this isn’t making much sense. I’m typing on my phone and I’m sleepy.

Thanks in advance for your help.

Honestly I’m in the same boat trying to figure out the limit. They’re pretty weird about what they approve or deny. I needed to charge $3000 one time when I first checked it, said it would be approved. 2 weeks later it said it would be declined. I made payments and I talked to a representative and they said the amount I paid is what will be available. Which was like $1000. I went ahead and said **bleep** it and tried anyways and everything got approved. Recently I had a balance of $4000 and I checked spending power for $4500 and it said it would be approved. So that means it would let me have a balance of $8500 ... $4500 would be on the next statement ... but they would let me have $8500 balance ... I didn’t charge right after I asked and then when I asked again it said it would be declined. They have declined charges for $280 which was an online charge .. but approved everything I swiped that same day. They declined $543 at a restaurant but approved it at $343 ... but after all that approved $2241 for Airbnb ... been approving everything lately and it’s still the same statement. They honestly pick and choose what they want to approve. If you get denied online they’ll approve a transaction you do in person. I’m pretty sure it’s computerized so they look for patterns .. they approve my big transactions because I do that every month. I charge like $1800+ in 1 transaction. I pay them in full every month on time usually before the due date. I try to only have $4-5k balance per statement before charging again. If I hit $4k I’ll wait until the 24-25th before I start charging again. If you check spending power and they approve you ... swipe right away because they could deny you if you wait. I have a balance of $6k right now and they denied me for $1000 I just tried to do earlier. But I feel like I have a limit of $8.5-10k. They will approve other charges I do

Re: Question re: my AMEX Gold “limit”

Anonymous — Mon, 17 Jun 2019 11:25:53 GMT

Do@Anonymous wrote:
@Anonymous wrote:
Hello Everyone,

I’d love to hear your DP’s, opinions, thoughts, etc.

I was approved for the Bonvoy 8 months ago (CL $3,100). I was pre-approved for the gold and applied for that this wknd.

I was able to use the electronic card information right away and the physical card didn’t arrive until Wednesday. The paperwork with the card says that my POT amount is $15K. This is my first charge card so I thought that this meant that this if this is the maximum balance that I can revolve, I can charge this amount (because I have to spend it in order to carry the balance). I’m not sure if this is correct, it’s just what I thought.

I spent approximately $2,500 in about 10 minutes using the electronic card. I paid tuition, camp fees, and aftercare for the summer since school is already over. After charging this amount, I used the check my spending button the next daybto see if I could spend $1K on a bill. It was declined. I lowered the amount to $900 and that was also rejected.

I intend to pay half of my balance before the statement closes next month and then the other half by the due date.

I’m guess I’m just looking for more insight regarding the no preset spending limit and how it relates to the pot amount. I was surprised that the $1K was rejected since it wasn’t near the pot amount.

Sorry if this isn’t making much sense. I’m typing on my phone and I’m sleepy.

Thanks in advance for your help.
Honestly I’m in the same boat trying to figure out the limit. They’re pretty weird about what they approve or deny. I needed to charge $3000 one time when I first checked it, said it would be approved. 2 weeks later it said it would be declined. I made payments and I talked to a representative and they said the amount I paid is what will be available. Which was like $1000. I went ahead and said **bleep** it and tried anyways and everything got approved. Recently I had a balance of $4000 and I checked spending power for $4500 and it said it would be approved. So that means it would let me have a balance of $8500 ... $4500 would be on the next statement ... but they would let me have $8500 balance ... I didn’t charge right after I asked and then when I asked again it said it would be declined. They have declined charges for $280 which was an online charge .. but approved everything I swiped that same day. They declined $543 at a restaurant but approved it at $343 ... but after all that approved $2241 for Airbnb ... been approving everything lately and it’s still the same statement. They honestly pick and choose what they want to approve. If you get denied online they’ll approve a transaction you do in person. I’m pretty sure it’s computerized so they look for patterns .. they approve my big transactions because I do that every month. I charge like $1800+ in 1 transaction. I pay them in full every month on time usually before the due date. I try to only have $4-5k balance per statement before charging again. If I hit $4k I’ll wait until the 24-25th before I start charging again. If you check spending power and they approve you ... swipe right away because they could deny you if you wait. I have a balance of $6k right now and they denied me for $1000 I just tried to do earlier. But I feel like I have a limit of $8.5-10k. They will approve other charges I do

That’s really strange and not at all my experience with it. I’ve never had them deny anything. Are you a new customer? Do you have any other cards with them?

Re: Question re: my AMEX Gold “limit”

AverageJoesCredit — Mon, 17 Jun 2019 11:56:25 GMT

Just because one can afford it or have the assets to cover charges doesnt mean Amex will allow it. Your patterns are huge part of how much they allow to be spent. A high POT, doesnt necessarily translate to a high spend limit as alluded to. Irregardless of ones income/assets a person with a million dollars can burn Amex just as easy as a person with 10, 000 BKs and Blacklist show this to be true

Re: Question re: my AMEX Gold “limit”

Anonymous — Mon, 17 Jun 2019 12:13:04 GMT

@Anonymous wrote:
Do@Anonymous wrote:
@Anonymous wrote:
Hello Everyone,

I’d love to hear your DP’s, opinions, thoughts, etc.

I was approved for the Bonvoy 8 months ago (CL $3,100). I was pre-approved for the gold and applied for that this wknd.

I was able to use the electronic card information right away and the physical card didn’t arrive until Wednesday. The paperwork with the card says that my POT amount is $15K. This is my first charge card so I thought that this meant that this if this is the maximum balance that I can revolve, I can charge this amount (because I have to spend it in order to carry the balance). I’m not sure if this is correct, it’s just what I thought.

I spent approximately $2,500 in about 10 minutes using the electronic card. I paid tuition, camp fees, and aftercare for the summer since school is already over. After charging this amount, I used the check my spending button the next daybto see if I could spend $1K on a bill. It was declined. I lowered the amount to $900 and that was also rejected.

I intend to pay half of my balance before the statement closes next month and then the other half by the due date.

I’m guess I’m just looking for more insight regarding the no preset spending limit and how it relates to the pot amount. I was surprised that the $1K was rejected since it wasn’t near the pot amount.

Sorry if this isn’t making much sense. I’m typing on my phone and I’m sleepy.

Thanks in advance for your help.
Honestly I’m in the same boat trying to figure out the limit. They’re pretty weird about what they approve or deny. I needed to charge $3000 one time when I first checked it, said it would be approved. 2 weeks later it said it would be declined. I made payments and I talked to a representative and they said the amount I paid is what will be available. Which was like $1000. I went ahead and said **bleep** it and tried anyways and everything got approved. Recently I had a balance of $4000 and I checked spending power for $4500 and it said it would be approved. So that means it would let me have a balance of $8500 ... $4500 would be on the next statement ... but they would let me have $8500 balance ... I didn’t charge right after I asked and then when I asked again it said it would be declined. They have declined charges for $280 which was an online charge .. but approved everything I swiped that same day. They declined $543 at a restaurant but approved it at $343 ... but after all that approved $2241 for Airbnb ... been approving everything lately and it’s still the same statement. They honestly pick and choose what they want to approve. If you get denied online they’ll approve a transaction you do in person. I’m pretty sure it’s computerized so they look for patterns .. they approve my big transactions because I do that every month. I charge like $1800+ in 1 transaction. I pay them in full every month on time usually before the due date. I try to only have $4-5k balance per statement before charging again. If I hit $4k I’ll wait until the 24-25th before I start charging again. If you check spending power and they approve you ... swipe right away because they could deny you if you wait. I have a balance of $6k right now and they denied me for $1000 I just tried to do earlier. But I feel like I have a limit of $8.5-10k. They will approve other charges I do
That’s really strange and not at all my experience with it. I’ve never had them deny anything. Are you a new customer? Do you have any other cards with them?

Had the card almost a year I believe a year is July. Only have the Amex gold. I’ve gotten declined plenty of times. In the beginning I was only able to do $1200 .. and then every month it goes up ... next time get declined after $1800 then $2400 ... then $3800 ... now I’m able to get to $6k+ ... I pay in full every time on time ... what doesn’t make sense to me is I’ve had a balance of $4000 and check spending power for $4500 and it said approved ... so that makes me believe I have a limit of 8.5k ... but I don’t ... they pick and choose what they will approve ... I get declined for $300 but then they approve a bigger charge ... I guess they don’t trust me yet but every month they’ve let me charge more and it’s always paid

Re: Question re: my AMEX Gold “limit”

Anonymous — Mon, 17 Jun 2019 12:24:33 GMT

They’re probably still feeling you out a bit. The charge cards aren’t all that hard to acquire, so they’re going to be a little extra cautious with someone they aren’t familiar with, though you would think a year would be enough. If you’d started with a credit card with them, once you got the gold you would have gotten to skip their probationary period.

Re: Question re: my AMEX Gold “limit”

Anonymous — Mon, 17 Jun 2019 14:53:26 GMT

This issue of trust may be borne out some by my (admittedly limited) experience with Gold, as I’ve only had it a little under a month. However, I have four revolvers with them and I’ve put plenty of spend and payments through those cards, and I haven’t been declined for a Gold charge yet, and trying the spending power, I entered $2500 this morning and was easily OK’d for it. I don’t have much time on an Amex charge card but my revolver history seems to have made them comfortable.