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.
Originally Posted by
fliesdelta
I was told recently (two months ago) that they look at the last six months of expenses and payments to determine the limit.
This isn't true for me currently - checking my spending power via the website suggests a limit that's higher than it's ever been, but I've spent virtually nothing on the Plat in the last 12 months. I actually had a credit balance for most of 2020 from all my refunded travel, until I requested a check. I suppose it's possible that the spending power checker is inaccurate, or that AMEX is using a different algorithm given the pandemic.