your history is being established the second you open the card, if since then and now the new charges dont add in "right" they'll decline it.. they only let me run 20-30k when i was credit balance 8k (had to send it first), try that? (annoying i know but im sure it'd only be a temporary if not one-time sitch for you)
i've tested and tried everything with them and they are still extremely cutthroat even before COVID.. i just chalked it up to my profile and moved on, your profile is better than mine with age..but your also "trying" a charge thats 3-6x your other cards individual limits on a card thats "PIF", im sure they see that... without other history to go off of i'd assume they'll let you run up to that same amount because then its easier for them to approve on a case-by-case basis vs just case lol
im convinced that they will let you spend to the moon as long as its charges under $100 lol 
@Anonymous wrote:Just so I'm unsderstanding correctly your POT limit is $1,700 of which cannot be charged all at once? So in order to fully utilize the limit you have to make 3-4 serperate purhcases. What exactly is the highest amount you can charge at one time then?
I guess i don't really understand the POT limit versus NPSL. In my head the amount tnhat you can carry over into POT would be the $1,700, but in theory you should still be able to charge whatever your internal limit is, that needs to be PIF by the due date.
Not knowing your spend I wouldn't know how go about it, though if you have a large puchase coming up that's over your limit. My suggestion would be to call ahead and explain that you need to make this purcahse etc. and for them to allow it. Do this several times and perhaps they'll get the hint that you can pay it back and increas it.
Or talk to an UW about why your account is limited in this way.
The POT limit is what they will allow me to charge in a single transaction. Once I get to that point, they won't allow me to charge (lowest I checked) $1000 or more in a single transaction. But they have no problem letting me charge beyond that in multiple charges.
Just don't understand why it matters how I get to my internal limit or monthly balance. Supposedly, that's all they really care about anyways regardless of how I get there.
I know I can call, but I'm not concerned about that. I just don't understand why or if it's only happening to me because of my profile.
I've already said I've spent almost double my POT without issue. I've maxed out my POT Direct and continued spending. As for spending pattern, coming up on 2 years of PIF on all of my amex cards. In regards to your analogy, I would be more comfortable with someone making a $1000 luxury charge over 10, $100 grocery charges in this economic climate. People who are struggling with money stop buying wants and start putting necessities on credit cards while not PIF.
@elixerin wrote:you keep mentioning PIF but not how much you regularly put thru that card.. PIF $1000 charges for 2 years then suddenly attempting $3000 isn't gonna fly....
i literally just informed you that this is an annoyance not only me but others have experienced and posted about AND why its most likely happening, if your still curious as to why your charge card string was tightened during a pandemic then oh well(also just assuming your profile is in tip top shape otherwise).
you said you tried a $1000 spend power after reaching POT limit which was declined but ur smaller charges go past that.. p sure you know by now the spending ability constantly fluctuates so what happens 1 month or day isn't set and stone..
for all you know as you were or are transacting the smaller charges after you got declined for the $1000 spend power, you actually were able to put $1000 from then but you just didn't know/bother to check.. the smaller charges added up to more than what you had just been declined for in spending power, hence this post... unless all this happened in a very short time period(even then the power they give to spend feels as if its in a constant state of change or limbo), not really sure what kinda insight you're looking for here..
It says in my first post that I spend $3-4k a month. As for not knowing the status, I did. I've used the tool while out and been declined for a $1000 chqrge so I put it on a different card while continuing to run up charges past that same amount unknowingly, because I wasn't paying attention while on vacation or at a theme park. I know for a fact from doing it twice. One of those situations resulted in the $2800 balance I had month or two ago.