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How can I manage Credit Card limits?

How can I manage Credit Card limits?

Your American Express Card comes with a variety of tools that can help you manage your credit card. Here's what you need to know.
 

Card Limit Explained

What is a Credit Card limit?

A key benefit of a credit card is its flexibility, you can purchase things now and pay for them in the future either in one go or in monthly instalments.

When you open your account you are given a credit limit which is the maximum amount you can spend.

Decrease and increase your credit limit

You can change your credit limit at any time. If you decide you would like more credit, you can request a credit limit increase by logging into your online account or by calling the number on the back of your Card.

Before you apply for an increase, it is important that you consider your personal financial circumstances. It is required that we assess your capacity to repay the higher limit before we approve it.

If your limit is higher than you need it to be, you can request a credit limit decrease as long as it remains above the minimum limit and your total balance owing by calling the number on the back of your Card.

From time to time we may automatically increase your credit limit if you meet certain criteria. To opt out of this, call the number on the back of your card.

Cards without a credit limit

If you’re looking for a Card that does not have a credit limit, then you may want to consider a Charge Card. These are Cards with no pre-set spending limits2, and you have to repay your balance in full by the due date to avoid incurring fees. 

 

Useful Terms

Useful terms

  • Credit Card limit: This is the maximum amount of credit you can spend.
  • Repayments: When your statement arrives, you will have a choice of repayment options. You can pay off the entire Credit Card bill on, or before, the statement due date – in which case you’ll avoid paying more interest.
  • Minimum repayments: You can choose to spread your Credit Card repayments out over time by paying at least the minimum monthly repayment amount. This option will mean you will be paying more interest and we would advise you not to do this.
  • Interest: When you use your Credit Card, you are borrowing money from a lender – and will be charged interest unless you repay the full closing balance within a specified period. Interest is usually expressed as an annual percentage rate, also known as the interest rate.
 

How do I avoid or limit Credit Card fees?

Enrol into SMS and Email Alerts

Get informed instantly with text and email alerts. There’s a range of useful alerts to choose from. You choose when you’d like to receive your alerts and whether you prefer mobile or email. You can also place your alerts on hold when you travel or change the time zone they arrive in.

Track your expenses

Login to your account regularly, or download the app to access your current statement and account details.

Be smart with your repayments

Make sure you know when your Credit Card repayments are due, and, if possible, pay off as much as you can to reduce the amount of interest payable.

 

Credit and Charge Cards Explained

Has talk of interest, annual fees, rates and percentages left you feeling confused?

Our simple Credit and Charge Card guides are a great place to start.

How Credit Cards and Charge Cards work

Learn More

Where is American Express accepted

Learn More

What is surcharging

Learn More

Using your Card Abroad

Learn More

What Credit Card fees am I expected to pay

Learn More

What is Credit Card Interest

Learn More

How to choose a type of Card

Learn More

What is a Charge Card

Learn More

How to pay off your Card

Learn More

How to apply for a Credit Card

Learn More

What is Credit Score

Learn More
 

American Express Benefits

FRAUD AND SHOPPING PROTECTION

Your security and protection are our priority. Our technology has been designed to give you peace of mind when using your card

Learn More about Fraud Protection

WORLD CLASS CUSTOMER SERVICE

Access to our customer service is available 24/7 by phone, text or email.

Learn More about Customer Service

CONTACTLESS PAYMENTS

Contactless is the quick, easy and secure way to make payments - Simply touch your American Express Card on the reader, wait for the beep and you're done. What's more, with Amex pay and Apple PayTM you can even pay with your phone.

Learn more about Contactless Payments
 

Explore Our Credit Cards

American Express Offers a range of Credit Cards with different rewards and benefits tailored to your lifestyle and interests.

5% cashback will be payable to you by us on all your purchases made in the first three months up to £125. Introductory offers are not available if you currently hold or have held any other Platinum Cashback American Express Cards in the past six months. Any cashback from introductory offers will be credited to your Account in your card anniversary month. Your Card anniversary month is the one month period each year following the date on which your Account was opened. Cashback is not earned on Balance Transfers, Cash Advances, American Express Travellers' Cheques, Foreign Exchange transactions, interest, any spending in excess of your credit limit, charges for returned payments, late payment or referral charges and American Express Credit Card finance charges. You will earn cashback at the rate of 0.5% cashback at warehouse retailers in the United Kingdom. You can find out which retailers we treat as warehouse retailers by checking the FAQ section of our website (americanexpress.co.uk).

Terms and Conditions apply. Please see the Insurance Terms and Conditions for full details. Please read this to understand the limits and exclusions that may apply.