Amex FR hard limit finished ???

[youngman1234]

So back in feb 2012, I was FR'd and had a hard limit placed of 3k. So couldn't charge more than that until last month. For the past 6 months I have been reaching my limit every month. Last month I owed like 2950, and I saw they approved a charge of 1150. I was shocked... Now this month I went over my 3k and have been still charging to see what happens already charged 4.5k.. When I log in under the balance it says available credit as 0 still, but it is approving charges... Idk what's going on... Also I think maybe they raised my sending limit... Who knows ?? Anyone have this happen to them ??

[distantarray]

all of Amex cards are actually NPSL if you regularly charge over and pay on time they up it internally before granting you a CLI, have you appllied for one lately?

[nicholasyud]

This young buddie charge about 50 grand each months .....ain't you ???? Wonder what do you spend on that much........

[trumpet-205]

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@youngman1234 wrote:
So back in feb 2012, I was FR'd and had a hard limit placed of 3k. So couldn't charge more than that until last month. For the past 6 months I have been reaching my limit every month. Last month I owed like 2950, and I saw they approved a charge of 1150. I was shocked... Now this month I went over my 3k and have been still charging to see what happens already charged 4.5k.. When I log in under the balance it says available credit as 0 still, but it is approving charges... Idk what's going on... Also I think maybe they raised my sending limit... Who knows ?? Anyone have this happen to them ??

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Regardless of what happened, you should not push it when AMEX imposed hard limit.

[SisterGirl]

For me, AMEX has been there for me everytime I needed.

Back when I went through some "tough times" & creditors were closing my accounts, ONLY AMEX & Capital One stayed the course for me. AMEX decided when my ship was sailing on some turbulent waters, they imposed a "hard limit" on my Basic Green....but only to the amount highest charged. Example: highest spending was $2000 over 30 days .....limit was imposed as such. I ended up with 3 judgments from 3 creditors & several collection accounts (I know better now....I was just 'silly' when all that was going on & now know that fire will BURN).

That being said, AMEX has NEVER threatened to close/suspend/limit me in any way/shape/form. The hard limit imposed went away in about a year & they did inform me prior to the hard limit being placed. They are VERY professional & I try to make certain that they are well aware of my intentions whenever I need to inform them of things that may affect my account such as unusual spending or traveling. Capital One has NEVER batted an eye to my credit foolery & has NEVER given me any grief to changing my account from an almost  "unheard" of 8.4 APR  - never decreased my credit line either !

AMEX has never asked me for financial records, so I can't really help you there. I will tell you honestly to speak to them very openly & honestly & I'm a member since 1999.....but I love them even though for years I "avoided" them (was too scared of  what I'd do to a charge card....LOL)  Customer service is unparalleled & if they will have me, I will have them for as long as the music plays.

SisterGirl

[youngman1234]

What I was thinking is maybe I'm on a NPSL again

[Anonymous]

I think if it were offcial, you would see the term "available credit"  replaced with "no pre set limit".