ime American Express Aeroplat in Canada had no preset spending limit..

When we purchased a 2011 Toyota Sienna AWD Limited the entire amount on the Aeroplat, I quickly found out that there is a credit limit at that point in time that we were allowed to spend.. and was told once put through the initial 20K, and paid the balance down, more credit limit would be granted based on our ability to pay..

In the end, we paid down the card immediately, and pushed through another 30K.. Amex is looking at the cardholders' ability to pay, and gradually increasing the limit as transactions continue, and the ability to pay down the balance on time continues..