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It doesn't happen in every case, but depending on other things that are happening in your credit profile, it can happen. AMEX is trying to reduce the amount of money that people are carrying, as any bank would like to do. For the majority of American Express' fifty years in the credit card industry have been with charge cards that did not allow you to carry a balance. Their entry into this arena some twenty years ago has done nothing but devalue the brand that used to be so elite and exclusive. Now with the economy going to hell in a handbasket, American Express is trying to lower the lines of credit that they gave out a little too generously in the past. People who are having their line of credit reduced as they pay down the balance are people who really don't need to have that much credit. They are people with very high debt to credit ratios and are high risks for the company. Reducing their credit is good for the business.