When AmEx first came out with the Optima card they got burned pretty badly by businesses who financed their speculative business ventures by running up credit card debt. At the time I was reviewing business' credit reports and I was amazed at how much debt AmEx allowed them to run up. So I'm not surprised if they're making sure now that a business has the cash flow to pay off the credit card and not just projected cash flow. The agent was right that they're at risk even though you only charge $3k because once the business gets in trouble that could ballon to $25k easily. Better (for AmEx) to reduce the limit if you're not planning on using the credit.

I went through a credit review myself. The agent wanted to know why my overall credit balance went from $30k six months ago to $80k now. Imagine his surprise when I told him that I charge $30k-$80k per month and always pay my credit cards off at the end of the month!