A portion of my complaint is in the letter below sent to American Express, sent on 9 Sep 09. I have filed five letters with them beginning in July 09, the latter three requesting a customer service manager call me. They have not responded to this request. My issue with them is simple. I was given a $2K credit limit when I applied for the subject card. Prior to this, I had a Northwest Airlines WorldPerks Visa with a $15K credit limit. Unfortunately this card was discontinued after the DELTA/NWA merger. I can't purchase two tickets from Hawaii to the U.S. east coast for under $2000. American Express declined my request for a credit limit increase to $6K stating it was based on my credit report. On 6 Aug 2009, I pulled my credit report and while it is a bit low, the Experian report used by AMEXCO rated me at 730 (Excellent). I had one record of "collection filed", a $63 hospital bill that I've disputed and sent to my health insurance company. AMEXCO also says my "proportion of loan balances to loan amounts are too high". Each of my loans are joint with my spouse. We together earn over $340K/year. I would cancel the card but unfortunately my airline has partnered with them. I keep getting what I think are computer generated declination responses. I think if I can talk with a manager directly, I would get a favorable response. Any ideas?

Excerpt from letter to AMEXCO (Mr. Robert Garinger, PO Box 30374, Salt Lake City UT 84130:

As you know, this is my 5th letter asking for reconsideration of my credit limit and 3rd letter asking to speak to someone directly about this matter. I do not believe calling the number on the back of the American Express card, as suggested in the Sep 2 letter would get me to the “right” person who can appropriately address my situation.
Also, your Sep 2 letter indicates that I was asking for “specific details regarding (our) score system/FICO”. I do not seek this information. I am familiar with the FICO system and as you know, I attached my Experian FICO score (730 - Excellent) to my last two letters to you.
I truly feel that if I had the opportunity to talk with one of your managers, he or she would certainly see that the $2000 credit limit is absurd. My FICO score and my income alone should be sufficient to raise my credit limit to $15-20K. I’m only asking for $6000. In most cases, I cannot buy two airline tickets from my home in Hawaii to the East Coast for less than $2000.
I believe the system you employ that denies increases in credit limits, is faulty. As I stated before, it appears to be generated by broad rules and lacks customer service or human relations."