MemberSince99 wrote:American Express can do a financial review on any of their cards (and it will affect all that you have as well as your AUs) anytime they want to, for any reason they want to. You would have two options at that time - give them the information they want, or cancel your card(s) (or let them do it).
I can't say whether occasional use would trigger it, no one knows for CERTAIN exactly what triggers FR (Amex wants it that way obviously). My guess would be no if all else is ok in their eyes but I'm not in a position to tell you anything definitive. So best to be careful.
And someone will no doubt pipe up "If you didn't lie you have nothing to fear!" you may have nothing to fear, but what I've heard is, most likely the LEAST they will do is give you a hard limit that they may eventually lift. It's a hassle and expense to you, and not something normal people would enjoy.
Ah well, I've been with them for god knows how long now and haven't lied to them about anything and considering my card has a hard limit of Â£11200 as its a credit card. Also just checked, under UK law a credit company has to give 3 days notice before suspending the credit facility unless fraud is suspected.