@M_Smart007 wrote:Do you think it was possible that $10K was a temporary spending limit?
Sorry OP but this is almost certainly the correct answer. AMEX only allows you to use a certain portion of your CL (for digital wallets and what not) until you receive and activate the physical card.
8/8/25
My favorite issuer. They're the best.
@Tiredgenerally wrote:Hey all,
On 4/23/23 I applied for and was approved for the American Express Hilton Honors card with a credit limit of $10,000. Since then, I've made one purchase for $195 and tonight when I logged into my account my credit limit is now $15,000.
Is this normal? I haven't even completed a billing statement yet and I got an unsolicited credit limit increase. I'm in no way complaing, I've just never experienced this before.
Welcome to the forum.
I think @M_Smart007 has hit upon the correct answer, that the 10k was your initial temporary limit.
@wasCB14 wrote:Is there any indication as to why they do this?
A customer's credit risk isn't likely to change a lot over a few days. If they're worried about identity theft, the card info being stolen, mobile wallet hacking, etc. then 2/3 of a credit limit is still a significant exposure.
I think they feel more secure knowing that the physical card has been sent through the mail, to its record address, and activated by its true owner.
@wasCB14 wrote:Is there any indication as to why they do this?
A customer's credit risk isn't likely to change a lot over a few days. If they're worried about identity theft, the card info being stolen, mobile wallet hacking, etc. then 2/3 of a credit limit is still a significant exposure.
Who knows why they do it. They're one of the few issuers that do this. But regardless, for sure this is what happened with OP.
