This is the part of Amex nobody warns you about. No preset limit sounds great until you realize the limit can silently become very preset overnight. Going from six figures to a few thousand with zero notice would make anyone lose trust fast.
What really gets me is the lack of clear rules. Pay in full, great score, low balances, long history, and you still get told your balances are “high” with no explanation. Then it spills over into a business card where predictability actually matters. That’s not a perk issue, that’s a functionality issue.
The payment due now vs due date thing drives me nuts too. If even reps can’t explain which one actually matters, that’s a problem.
Your comparison to Chase is spot on. Lower limit, but at least you know the rules and don’t get surprise declines at a gas pump of all places. Paying premium fees just to still worry about declines defeats the whole point.
Totally get why this would be the breaking point, especially with your background. The mental stress alone isn’t worth the points.
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