@Aim_High wrote:
@NRB525 wrote:What sort of monthly volume do you expect for the Gold spending? If it's four digits, I'm not sure it will be a problem. Mid-five digits right out of the gate might be another concern.
I agree that may be a reliable guideline for some credit profiles, @NRB525, but wouldn't you temper that with income, current monthly debt obligations, and experience with other credit limits showing a past history of repayment? OP hasn't stated any of those factors and they may be significant. We know AMEX will approve profiles for charge cards with FICO's in the 600's and relatively thin profiles in some cases. And I've seen approvals from college students who are still in lower income brackets. Since this is a charge card, I would expect them to prefer new cardholders are limiting charges to what they could realistically repay based on a percentage, say 30% to 60% for example, of gross monthly reported income. Even if I reported income of $50K (gross monthly income of $4166), four-figures might almost be pushing it for a profile carrying heavy student loan debt, car loans, and/or mortgages. Of course, this is just my opinion of how they would evaluate, but we've also heard of members getting denied charges in the four-figure range.
Either way, I agree that mid-five-figures out of the gate as a new cardholder is more indefinite except for very high income.
Good outline of the likely criteria to be a little more accurate in spend estimates 
I was going for a first-level question, a little simpler.
For a data point, if it helps.
Around the middle of last year, I was spending less on my platinum than I am now (moved some business spending over). At the time I was averaging around $10k every 3 months, I wound up needing to make a large purchase (around $30k) and it went through no problem.
I have also seen some random DP's that suggest they use 3-4x what your last month of of PIF was.
Another DP.. my POT limit is $14k and I just checked to see if a $50k spend would fly, and it did.
