Utilization question-Amex

[dreamer2014]

If I get a $15k starting limit but I only use 10% of the credit available, will the creditor (amex) reduce my CL eventually?

[newhis]

They will not reduce the limit if you only use 10%.

From what I read, they can CLD if they see something in your reports that is considered a risk.

[dreamer2014]

Thanks for the response newhis. I was instantly approved for BCE with starting CL of 15k but I know I probably won't EVER come close to using a third. I also want to stay in good grace with Amex.

[uswala]

I rarely use any card for more than 3%. All has been well till date.

[gdale6]

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@dreamer2014 wrote:
Thanks for the response newhis. I was instantly approved for BCE with starting CL of 15k but I know I probably won't EVER come close to using a third. I also want to stay in good grace with Amex.

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Grats on the  approval

[Anonymous]

Congratulations! Nice SL.