Credit limit can be defined as the maximum amount of credit a bank extends to a customer through a line of credit. This is maximum amount that a cardholder can use on a credit card. American Express offers a plethora of credit cards to their customers. However, each credit card comes with its own credit limit. While the credit limit can be increased or decreased, utilising more than the allowed credit limit can invite over-limit charges. Let’s find out more about credit limit on Amex credit cards.
How to Increase Credit Limit on Amex Credit Card?
American Express or Amex considers limit enhancement only on cards which are older than six months. To increase your chances of getting a credit enhancement, there shouldn’t be any late payments on the card, the debt-to-income ratio should be good, and the total outstanding balance should be low.
Application for credit enhancement can be done using three methods: net banking, phone banking and postal mail.
For Amex credit card users with active net banking, the process to raise a request for credit limit increase is easy. Simply login to your account, click Account Services> Credit Management> Increase line of credit. Enter the four digit personal code located on the top of your credit card number as prompted.
You will be redirected to a new page, where you will be have to select the desired credit limit and enter your total income and submit the application. The bank will review your application by considering your credit score and repayment history.
You may shortly receive an SMS/e-mail from the bank about the status of your application.
You can also approach Amex customer care to apply for credit card limit enhancement. Amex has different helpline numbers for each product. Visit the page https://www.americanexpress.com/india/customerservice/contact-amex-phone.html?india_nav=cscontactmain and find your card specific helpline.
Mail to Amex Credit Department:
You can also send a written request for credit limit increase on your credit card to the bank’s credit department. You need to attach a copy of your latest income tax return, acknowledgement of ITR-V and Form-16 with the letter.
Mention first 11 digits of your Amex credit card on the documents attached and send them to Credit Department, American Express Banking Corp., Cyber City, Tower C, DLF Building No 8, Sector 25, DLF City Phase I, Gurgaon, Haryana – 122002.
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They are pretty much costly and the service is great due to heavy charges I am going to close my Amex card, this card has drawback many of them won't accept this card, there is no machine to use this card. So they should get connected with lots of vendors.
American express credit card is a famous card to use. They have given me a credit limit of Rs. 10 lakhs but the payment duration is less compared to others. In 2008, i was holding the card since the card is not acceptable in most of the place, i could not use the shopping purpose. Every people cannot get the Amex card and they have a some strict rules and regulation to provide the card.
Amex unnecessary put lots of charges on the transaction hence they need work on it but the customer care is very helpful they pick up the call instantly whenever I try to connect their customer care at a first try I could reach them. Till now I didn't get any offers but the portal is very easy to redeem the points into outstanding amount.
I am a Amex employee hence i get a different benefits like i don't pay the annual charges. I have been using the card from last 1.5 years. Whenever I'm doing a transaction with the Amex partner, i can able to redeem the rewards points and the customer care service is fine because they are very helpful and excellent team.
They have provided me a Gold Card from Amex and there is no charges and in the statement they have mentioned that based on my usage, annual fee will get waived off. Most of the other places, I'm unable to use the card. I do purchase in airport. In petrol stations, its not accepted. They are sending the offer notification through mail or SMS.
I'm using the Amex credit card and they have given lots of option for hotel and many shops but i haven't used much. I have not faced any problem with the card hence i never interacted with the card. More than 3 months i hold this card. I am using the Platinum Travel card and I'm satisfied with the credit limit of Rs. 2 lakhs approximately. For the privilege customer only, Amex provides the credit card.
I have AMEX card but am not using it which I have taken it 2months back. I am not having much experience. The credit limit is less and have tried twice for my higher transactions which am not able to process. There is no annual fee. They need to improve the credit limit. The charges are good for EMI conversion.
American Express is comes under luxury product and am planning to close Platinum card because of the higher charges. Even they are providing good facility to claim up these charges but again which is not up to the mark. Their customer service is very standard and excellent. AMEX credit card is not accepted my most of the places.
I have started with Amex Gold card and its been 5 years. This has annual fee but it will be waived off according to my request. Whenever I make the payment, its not getting reflected immediately. But one thing which I like it here is I use iphone and faced a problem, they have done a concall and help me to solve my problems which was really wow service which I never expected from them. Their representative were very helpful and understanding the customer very accurately.
Amex credit card is very good only for online transactions but the drawback is most of the merchants are not accepting this card. Their customer service is very good in the language and really customer centric. They have provided me a decent limit. It has annual fee but will be waived off.
Earlier i had a Amex card with me and i have closed the card because i cannot able to the card in the local market. To use the card, i used to visit the high end shops. Customer care support is really fine. Once i got the card, within the month, i handed over it. I had a limit of Rs. 1.5 lakhs and i got my NOC letter as well.
Its been less than a year with Amex credit card. Its just like other credit cards but the only thing is most of the places does not accept this card. The credit limit is quite good and its around 1.25L. I did not require customer service so far. The rate of interest is fine and these thing are clearly explained to me. Actually its good for International purpose.
I have been using the card for last 3.5 years. This is a Gold credit card. Even in night time, Amex customer care service is active and they are providing 24*7 service to the customer. Based on the usage, we will receive some voucher. If i spent Rs. 4 lakhs, we get travel voucher of Rs. 11000+ Rs. 7000 for hotel and Hotel Taj voucher.
I have been using the card for last 3.5 years. This is a Gold credit card. In this card, there is no specified limit on this card and i can use it any more. Their rewards points and offers are very good compared to all other cards. I need to pay the annual fee of Rs. 4500+GST charges sometimes they will get waived off based on my usage.
Amex is a easiest card to use. Its very access to the customer care and there is no delay in resolving the queries. I have been using the card for more than 2 years. I have a travel platinum card with me. When i travel abroad, i will use the card. The card is acceptable all over the world. The card have a airport launch access facility.
Last six months I am using Amex credit card its also acceptable all over the world and I am getting offers as well interms of reward points. For each Rs.100 I am getting one point and the redemption value is good. My card has yearly fee but if I spend certain limit it get waived off.
In Amex card, i can use the card in selected merchants. I got the limit of Rs. 1.2 lakhs. Its average card to use. I never interacted with the customer care people. In phoenix mall, the sales executive approached me and provided the card. The card got activated immediately by the next day.
Amex is an international card, it is a good for abroad usage if I use the card. It is a life time free credit card and the credit limit which was given good. Through a bank I have applied for a credit card on 7 months ago and the process was smooth and received a card on time.
I'm u using the American Express credit card since 2009. Only thing, they won't increase the limit and if i give a request, its a long process. Its a good brand and it have their own benefits. I have a payback card from amex and the acceptance of the card is very less due to the rate of interest. The payment also very hassle hence its very difficult to find the cheque drop box.
Amex is an international card, its good for abroad usage if I use the card more than Rs. 1 lakh they give bulk offers at trivago but the charges are higher. First month they taken Rs. 1300 I asked them whether its a yearly fee but initially they told its a free card.