jimbojet wrote:I'm new to American Express charge cards and don't quite understand their NPSL model yet. Does making multiple requests a month raise any red flags? Does a declined request somehow affect your standing with Amex, or worse yet, your credit score?
It won't affect your standing with Amex or your credit score, but I wouldn't use that feature very often. Just spend normally and their computer software will pick up on your spending patterns. Don't worry about being declined for amounts like 5K. If you're going to drop upwards of 10K, you should just give them a call and let them know and everything should be fine. I've made purchases over 5K on my PRG with no problems and no call, but if I was going to run 10K I'd give them a call and let them know.