Originally Posted by
Visconti
While this is purely speculation on my part, I suspect Amex's NPSL is a combination rolling 12 month (or, was it 6) average charges and assets known to them. I suspect yours was a question the rep couldn't address, and may have reflexively recalled the experiences of many bus plat caredmembers with the $100K imposed NPSL.
I was told recently (two months ago) that they look at the last six months of expenses and payments to determine the limit. During the same call I was told that my pay over time limit was $75K and "that should give me an idea of how much I can spend between payments". I started my business with Amex with the green card in 1986, over time it got upgraded to gold in 1990 and eventually to platinum. Besides it, I have the Delta Plat Amex ($50K CL), and over the years I've had corporate Amex cards from a few employers. I've never had any problems like late or bounced payments, and I've never exceeded the credit line on the credit cards (the Delta card I just mentioned and I did have an Optima at one point, when it first came out). My FICO score is 820 currently.