Ruilai Shi 9960 64th Avenue Rego Park NY 11374-2651 American Express P.O. Box 297879 Ft. Lauderdale, FL 33329-7879 December 19, 2020 Re: Account Ending 975008 Platinum Card® Dear Ruilai Shi: We are writing to you today because we have taken an action on your account and we would like to explain why. We have reduced the spending limit on your account to $6,300.00. Please be aware that once the outstanding balance on your account reaches this level we will not approve any charges above this amount. The limit is for total spending on all Cards on this account, so if you have any additional Card Members, please ensure they know about this change. Reason(s) for Our Decision We made this decision for the following reason(s): ● You are or have been past due on one or more of your American Express account(s). Your Options If you would like us to review our decision, please call us at the number on the back of your Card. If you have any questions about this notice, you can also call us at this number or write to us at American Express, P.O. Box 981534, El Paso, TX 79998. Please understand that this limit is not permanent and may change as we continue to evaluate your account and your overall credit profile. If we change or remove this limit in the future, we will notify you in writing. Tools and Information For You To learn more about managing your credit, go to americanexpress.com/managemycard. You'll also find tools to help you spend within this limit, including convenient mobile or email alerts for your balance or payments. We hope you find the tools and information on this site helpful. Sincerely, American Express Account Services The Creditor for this account is American Express National Bank. Notice to U.S. Residents. The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning American FLGEUFLG0250001 Express National Bank is the Bureau of Consumer Financial Protection, 1700 G Street NW, Washington, D.C. 20006 (the "Bureau"). The federal agencies that administer compliance with this law concerning American Express Travel Related Services Company, Inc. are the Bureau (address above) and the Federal Trade Commission, Equal Credit Opportunity, Washington, D.C. 20580.
