How We Assess How Much You Can Spend
When American Express makes credit decisions, the primary factor we take into account is the customer’s overall level of debt relative to his or her financial resources known to us. Beyond that, we look at a variety of factors that comprise a customer’s overall credit profile, which includes, among other things, payment history with American Express, reported income and credit bureau scores.
While each customer’s situation is different, and decisions are made on a case-by-case basis, what remains the same is that understanding and managing your credit wisely are critical, especially in economic times like these.
Click here for tips to help you manage your American Express Account wisely and to get more from your American Express Card.
Credit Cards: What You Need To Know
We partnered with Consumer Action to provide credit cards information to consumers.