<prompt> Human: So, like a lot of people, my credit was on a bit of roller coaster ride in my early 20s and Ive been doing whatever I can to recover it in recent years, getting to a recent high of 675 up from a horrendous 550 not that long ago. Ive thankfully done well for myself in that time, have gotten approved for various cards and most importantly, a mortgage. I havent tried getting approved for cards that I felt were out of my range but have managed to continue building up my credit and granted am using a little more than I should be Im at 32 utilization out of a 37,500 total limit. Im continuing to pay this down and expecting it to be under 30 by next month. The one card thats been frustrating me is a Macys American Express card. I actually opened this card a decade ago back in 2008. They gave me a credit limit of 300 at that time. In that entire decade, I havent gotten a single increase on this card. Ive requested an increase probably 3 times over the course the decade, the most recent being about a week ago as I wanted to start to use the card on a daily basis instead of my debit to rack up cash back and then immediately pay off the balance. Needless to say, I call to request an increase and am denied.Is AmEx just more stringent than other creditors in giving increases? It just seems strange to me that for an account Ive had for over 10 years on which Ive never made a late payment, I cant secure a credit limit increase on. Is there any value to me writing some sort of appeal letter, indicating that Ive been a card holder for a long time and had a clean record with them? I dont believe it is an income issue as well as, thankfully, my income is in the low six figures. If anyone has any insight Id appreciate it.  <response>: Amex is one of the most generous banks with credit line increases, the issue is the cobranding. 