The 2019 Amex CLD for low usage data thread:

[Turbobuick]

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@Anonymous wrote:

Thanks for the reply TB.  Looks like you were using 1%-3% of your limit on average for a length of time.  How long have you had the card and for how long has your spend looked the way it did before the CLD?

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I don't recall exactly how long I had that card, but I think they sent it to me when they lost Costco. We buy most of our groceries at the local supermarket, not Costco, so we'd been using the BCE consistently for a few years. Other than groceries, the card is worthless. I'm not going to use a card that doesn't maximize my personal gain just to keep some algorithms happy. 

[Anonymous]

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@Turbobuick wrote:

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Other than groceries, the card is worthless. I'm not going to use a card that doesn't maximize my personal gain just to keep some algorithms happy. 

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Agreed 100%.  That's the only thing I use it for and usually it's rendered useless for groceries as well half the year between Discover and Freedom offering 5% on groceries.

[Anonymous]

So this happened to me last summer, I just got around to seeing this thread. My CL was sliced in half, but a quick phone call restored it back to the original CL the same day.

Here are my data points on my Amex Blue:

• What was your original limit that was cut in half?  $30k
• When was the last time you used the card? The same month the CL was cut
• What was your usage (dollars/percentage) on average over the previous 3 months? Anywhere from $500-$1500/month, average $1k 
• Previous 6 months?  About $1k average/month
• Previous 12 months? About 1k average/month

Amex is my second most used card after Discover, I've had the card for almost 18 years. It's always PIF, never carries a balance.