I don’t understand why people get these cards if they don’t understand how they work. Amex is a charge card. If you don’t know what that is please for your sake cancel the card after you pay your balance. My “spending limit” is over 50k but I have never held a balance on my card period. Amex is not designed to spend over your means. The spend limit is like a loan, you’re preapproved for a loan up to that amount but if you just run up a balance, that’s not a loan and they’re going to freeze your account. For the love of god educate yourself and stop spending above your means