I hope everyone's 2022 has gotten off to a great start! I wanted to share a weird denial response I received a few minutes ago when requesting a CLI for each of my 4 AMEX revolvers. A little bit of history, i've had a AMEX Hilton Honors and AMEX Everyday revolver since March 2018 both with a $1,000 starting limit. The other 2 revolvers were opened in March of 2019. All 4 of these AMEX revolvers were given a $1000 starting limit and have had a $0.00 balance since November 2021. I have never missed a payment...excellent payment history including numerous payoffs over the past 4 years since opening each card. Today was my 4th or 5th attempt at a CLI...and here is the weird denial response I received for each card (keep in mind that all 4 are revolvers)...
Reason(s) for Our Decision We reviewed several pieces of information when making this decision, including your history with us. We made this decision for the following reason(s): One or more of your American Express® Cards currently has a spending limit.
Well duhhhh....isn't there supposed to be a "spending limit" on revolvers? Anyone ever seen this before? At this point, since 2 of the 4 revolvers have an annual fee, i'm starting to think a relationship with AMEX is pointless.
It felt like forever that all my AMEX cards were stuck at $1000 SL. I opened and closed around 5-8 cards with them from 2012 all were stuck at that SL.
In 2018 they approved me for a $2k card that was quickly reduced to $1200 after they noticed my maxed out cards (it was when I started racking up debt).
Fast forward to 2021, my debt was mostly paid off and they approved me for two $10k cards.
So who knows with AMEX.
Did you use the direct link to apply for CLI or did you use the button?
@BrownSugah66 wrote:I hope everyone's 2022 has gotten off to a great start! I wanted to share a weird denial response I received a few minutes ago when requesting a CLI for each of my 4 AMEX revolvers. A little bit of history, i've had a AMEX Hilton Honors and AMEX Everyday revolver since March 2018 both with a $1,000 starting limit. The other 2 revolvers were opened in March of 2019. All 4 of these AMEX revolvers were given a $1000 starting limit and have had a $0.00 balance since November 2021. I have never missed a payment...excellent payment history including numerous payoffs over the past 4 years since opening each card. Today was my 4th or 5th attempt at a CLI...and here is the weird denial response I received for each card (keep in mind that all 4 are revolvers)...
Reason(s) for Our Decision We reviewed several pieces of information when making this decision, including your history with us. We made this decision for the following reason(s): One or more of your American Express® Cards currently has a spending limit.
Well duhhhh....isn't there supposed to be a "spending limit" on revolvers? Anyone ever seen this before? At this point, since 2 of the 4 revolvers have an annual fee, i'm starting to think a relationship with AMEX is pointless.
Ha ha!! That's a good one!! Just when I thought I'd seen it all, something like this comes along. 
You're absolutely sure none of your Amex cards is a charge card, right? Keeping in mind that denial reasons can range from ridiculous to accurate, it's possible this is just an example of ridiculous. Or...is it possible that one of your cards had its limit decreased? MAYBE that's what it means. Or not. I don't know!
You might want to call and see if an actual person can shed any light on this. I do hope you'll update us if you find out anything.
$1000 limits mean you were barely approved. That alone will keep you from getting a CLI anytime in the near future. People have gone 5+ years without one. Even after getting a card with a higher limit, the 1k one won't grow.
In addition to that, amex cards have flexible limits allowing you to go over at their discretion. I'm willing to bet at least one of your cards had a hard limit put in place so that can't happen. That hard limit won't allow you to get any CLIs or new cards (outside of up and downgrades) until it's removed. Unfortunately, there's no way to speed up the removal. They'll remove it whenever they feel you're no longer a risk. That could take many years.
ETA: isn't that a rose gold charge card in your signature?
I see 4 amex in your sig, 1 charge card and 3 credit cards.
As I understand your post, you have a spending limit on 4 cards..
If the gold (charge) card has a spending limit, that is a limitation which they are referring to I would guess.
If you tried to increase your limit on the gold card -- well normally there isn't a preset spending limit on a gold card and I do not think the normal CLI request link would do anything other than fail.
If you tried to get an increase on an amex credit card then it may be referring to the spend limit imposed on the gold card -- the way the decline message is stated it sounds relevant to a charge card and not a credit card.
@CreditPacMan ...OMG i'm not sure i'm going to make it to 5 years with AMEX without any CLI at all...especially when I have an excellent spend/payment history with them. I had to use a link provided through the chat feature as I have not been able to find the link that used to appear in the Card Services sections. Thank you for replying!
@SoCalGardener ...Thank you for your reply. Yes, I called AMEX Customer Service as I was extremely puzzled by the CLI decline reason. The CSR put me on hold for about 3 minutes to research and then came back on the line and offered to submit a "complaint" on my behalf. She told me that she was unable to process a CLI as she only had access to review new applications. I agreed to submit a complaint for "review" and the CSR read me the notes she had taken to be submitted with my complaint. She asked me to allow "a few days" for review. This is leaving a very unpleasant feeling for me as I feel my history with AMEX deserves better than this. BUT...we will see what happens with this complaint situation.
@Brian_Earl_Spilner ...Thank you for replying. Yes, I have had a Rose Gold Charge Card since March 2019. It doesn't have a "limit" per se.... but I do have a $20k Pay Over Time Limit on that card. Currently, I have a $900 balance on the Gold Card and, again, have never paid late and have often paid in full during the past 3 years. If there is a spend limit on my Gold Card...I am not aware of it and the Customer Service Agent I spoke to earlier did not mention it to me. The revolvers I requested a CLI for are: Hilton Honors (AF), Everyday, Blue Cash, and Everyday Preferred (AF).