Amex CC's have a double limit.

[chwebb1]

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@KennyRS wrote:
Maybe that is the amount you're qualified for before you do a CLI -- so like if you do a CLI it will raise to at least that level? (Does that make sense?) I know these card limits of mine were recently raised.

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I don't believe that that is the case. I recently asked AMEX for a CLI a month or two ago, and was declined for having sufficient credit from them in relation to my income.

[score_building]

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@Anonymous wrote:

Ha, you guys crack me up. Guess it's just me that gets 2x the credit :/ my limits are smaller than you guys though at 2k and 4.5k. I'm sure people play with that button nonstop, I wouldn't be worried about it, plus amex is super understanding. 

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It's intended as a legit spending tool, if ok with possibly increasing risk of an account review with overuse, then no worries. 

Amex is great to work with, however wouldn't necessarily rely on them to be super understanding about suspicious spending tool usage, lol

[Anonymous]

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@wHiTeSoL wrote:

My 2 month old $2k limit SPG allows me to charge up to $7k, have done so too.

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Wow, did the contact you about the charges or did they all just go through and you kept using it until it was denied? What is your income?

edit: added quote

[Kenny]

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@chwebb1 wrote:

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@KennyRS wrote:
Maybe that is the amount you're qualified for before you do a CLI -- so like if you do a CLI it will raise to at least that level? (Does that make sense?) I know these card limits of mine were recently raised.

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I don't believe that that is the case. I recently asked AMEX for a CLI a month or two ago, and was declined for having sufficient credit from them in relation to my income.

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Well, there goes that theory. I'm sure it's probably just a complex algorythm.

[wHiTeSoL]

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@Anonymous wrote:

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@wHiTeSoL wrote:

My 2 month old $2k limit SPG allows me to charge up to $7k, have done so too.

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Wow, did the contact you about the charges or did they all just go through and you kept using it until it was denied? What is your income?

edit: added quote

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I never talked to anyone about it, but I didn't try more than 7k, that whole CVS thing threw my plans all off. My reported income alone is 60k.

[hayhayhayday]

2k card - 3150 

13.5k card - ~17.5k

[Kenny]

lol kept playing around...

9.5k card -- 10k approved
2k - 4k approved
8.1k -- 10k approved

and now i'm locked out. LOL -

edited to add -- the system is ridiculous if you don't have your 15 digit number! The rep was almost like why are you calling? so i hope i've done no harm to the account -- i knew better than to keep playing with it. lol

[Imhotrodcrazy]

I tried this yesterday.  My cl is 15k, so I put in 18k, came back approved.   I put in 20k, came back approved.  Got scared and quit.   Today, I was curious so I tried 25k, DENIED.  At least I know that I fall between 20k and 25k.  My 6 months is up in June,  so I will only go for the 15 to 20k increase and see what happens. 

[sexy_kitten7]

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@improvingmycredit wrote:

I forgot to mention- DO NOT play with the button!  It's to check for actual intended charges.  I have seen post that mention being suspended till they verify income.  

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I will second this. There are reports of people being FR'd (google it) after putting in 30k or something crazy like that. This is another reason to not go crazy when requesting AMEX CLIs.

Spending ability is how much credit AMEX is willing to extend to you in one transaction. It's based on a number of factors (credit score, repayment history, credit limit, and spending habits). In this regard, AMEX credit cards are like charge cards or NPSL cards because your true credit limit changes on a daily basis and is not disclosed to you!

[Shock]

Does this mean that all AMEX revolvers have a soft limit or NPSL?