I started w/ Amex Delta Plat in 2001. Normally had $1K spend a month. Eventually they raised my limit to 20K (I never asked for CLI). As this was in the days before auto-payments, I sometimes forget to pay on time, but always paid my balance in full when I made payments.
At one point I got mad at Delta & called to switch my card The CS suggested to Optima Platinum. I accepted.
After several years (I think prob 2006 or 2008) I was over 30 days past due, and they lowered my limit to 11K, then 2 months later back to 20K. A few months later I was late again & my CL was lowered to $500. At that point their CS told me about auto-pay, and I've been using that to pay in full every month.
After several denials to raise my CL, I applied for the Clear card in 2008, was approved for $500 limit. Denied CLI every time I've asked.
I finally wound up getting the PRG in 2010, no limit ever given, and every time to I check PRG credit avail on website, I've been approved up to a $20K transaction. In Feb '12 I got the Business PRG. When logged in I'm offered to upgrade to Amex Platinum (from PRG), Blue Cash Preferred (from Clear), & the Sky Preferred (from Optima Plat).
However, as of Oct 2011, they still won't raise my limits from $500 (or even combine the limits)!
Since I spend an average of $1500 mo, I'd really prefer to have it on a card that will also improve my credit score. However, without a higher limit, I can't use my cards for airfare, hotels, etc, so I put all my spend on my cards that get points.
Any ideas of how to raise my CL? Do you think I'd be approved if I were to apply for a Blue Cash Preferred (rather than take chance of upgrading, with same crappy limit)?
(p.s. sorry so long)