Amex is clamping down clearly. I switched from a Personal Plat to a Biz plat and they pulled the bureau about 3 weeks after approving me. They reduced the limit to 1500. kinda useless for a plat card. The credit agent said the ratios of credit vs income are within limits, I have never missed a payment. But the 7 hard pulls on my Equifax is an other matter. We are working to give them the information they have requested to have the original limits reinstated. 4 of the hits were churning, One was a lease, 2 were from insurance companies when changes of coverage were made lowering our rates by 50% by switching providers. The amex person says anything more than 4 hard hits on your report drops the score.