Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have a a XXXX Amex and a XXXX XXXX Amex. The XXXX Amex is preset to a limit of XXXX and I pay XXXX per year for that card. XXXX XXXX XXXX Amex is preset to XXXX. I spoke to a representative about the preset limit and she explained that it is determined by how I use the card. To which I responded I will never use the card if my limit is kept lower than XXXX other cards I have where I don't have a limit. The agent suggested that I request a limit increase on the XXXX XXXX Amex that I have and transferred me to customer service to request and increase. Upon the requesting the increase the agent advised me that that they can not approve an increase on my XXXX XXXX Amex, because there is a spending limit on the XXXX Amex. I explained to the representative that I was told by the previous representative that I could request and increase on the XXXX XXXX Amex and was not told that having a spending limit on my Amex XXXX precluded me from the opportunity to increase my XXXX XXXX Amex XXXX XXXX. I asked that the agent submit a complaint regarding the issue explaining that I provided my income which is over XXXX and my assets which are are over XXXX, so there is no way I should have a spending limit on my XXXX  Amex or be refused the option to increase my credit limit on my XXXX XXXX Amex. 

I also provided the following information : XXXXXXXX XXXX XXXX XXXXXXXX - XXXX | No yearly Fee XXXX XXXX XXXX XXXX XXXXXXXX | No yearly fee XXXXXXXX XXXX XXXX XXXX XXXX | No yearly fee XXXX ( XXXX  ) XXXX XXXX XXXX XXXXXXXX | No yearly fee XXXXXXXX XXXX XXXX XXXX XXXXXXXX | No yearly fee I provided the previous information to illustrate that I have higher credit limits with companies that don't charge me XXXX per year. All of the previously mentioned companies are likely to increase my limits to the XXXX to XXXX range within the next year. I use my credit cards based on credit availability. As my XXXX  Amex and XXXX XXXX Amex are now If I rented a car, got a hotel room, or paid for flight. I would be at my limit or I would not be able to use the card because my planned utilization would exceed the limit, so I actually avoid using the cards to avoid the embarrassment of having my cards declined. 

An additional issue that XXXX be causing a problem is that American Express is mixing my Amex XXXX card history with my mother 's XXXX XXXX history. I noticed that my Amex XXXX card history states that I have been a member since XXXX ; however, I have only had my card for XXXX or XXXX  years. I was an authorized user on my mother 's card more than 15 years ago, but requested that I be removed after XXXX year, because the balance she was carrying was impacting my credit negatively. I not had any American Express cards until XXXX, which is the year my membership began on my XXXX XXXX American express. Please remove any history that is not my own, because I have not used an American Express and I have not been an authorized user on my mother 's card for more than XXXX  years.

Company response to consumer: Closed with explanation