How are Credit Card limits decided?
For most Credit Card users, Credit limits are decided by the Credit Card issuer. They set requirements for qualification and anyone who meets certain criteria will qualify for that particular Card.
Some applicants will not meet the criteria for a specific Card. In these instances a different Card or Credit limit can be offered to the customer.
If you apply for an American Express Credit Card you will be asked to provide details of your KYC and your income. We will use this information, combined with your Credit score, to determine your suitability for a particular Credit Card.