AMEX Check Your Spending Ability

jake619 · ‎11-13-2012

Without starting the debate about why one should never do this, why would one do this on a revolver? Makes sense for "testing" the internal limit of a charge card, but not a revolver. Is it an obscure way of them saying you can exceed your posted CL?


GangnamFICO wrote:
Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.

Minor vulgarity edit --Rev

asteroidblues86 · ‎08-04-2012

Just to see what would happen I put in an amount just above my limit on my revolver and it was approved. Then I put in a few way above and they would not go through.

ryanbush · ‎08-19-2012

asteroidblues86 wrote:
Just to see what would happen I put in an amount just above my limit on my revolver and it was approved. Then I put in a few way above and they would not go through.

you can go over the limit on your AMEX revolvers (like a Visa Signature). the portion of your balance that is over your limit will be added to your minimum payment and due in Full by your payment due date.

asteroidblues86 · ‎08-04-2012

ryanbush wrote:
asteroidblues86 wrote:
Just to see what would happen I put in an amount just above my limit on my revolver and it was approved. Then I put in a few way above and they would not go through.
you can go over the limit on your AMEX revolvers (like a Visa Signature). the portion of your balance that is over your limit will be added to your minimum payment and due in Full by your payment due date.

Oh okay. Thanks for the info. I didn't know that.

shakalaka · ‎09-10-2012

ryanbush wrote:
asteroidblues86 wrote:
Just to see what would happen I put in an amount just above my limit on my revolver and it was approved. Then I put in a few way above and they would not go through.
you can go over the limit on your AMEX revolvers (like a Visa Signature). the portion of your balance that is over your limit will be added to your minimum payment and due in Full by your payment due date.

Have you ever done that? Just curious ...

chnceit · ‎08-17-2008

shakalaka wrote:
ryanbush wrote:
asteroidblues86 wrote:
Just to see what would happen I put in an amount just above my limit on my revolver and it was approved. Then I put in a few way above and they would not go through.
you can go over the limit on your AMEX revolvers (like a Visa Signature). the portion of your balance that is over your limit will be added to your minimum payment and due in Full by your payment due date.
Have you ever done that? Just curious ...

Wow very interesting, I have never heard of this before and if its true then another reason to like AMEX even more IMO!

$100K in Credit
Last App: 01/09/13

jsucool76 · ‎12-11-2011

I've heard of it before. It is basically just like having a visa sig/world mc but amex lets you check to sew how far over you can go.

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart: 1300CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL

ryanbush · ‎08-19-2012

shakalaka wrote:
ryanbush wrote:
asteroidblues86 wrote:
Just to see what would happen I put in an amount just above my limit on my revolver and it was approved. Then I put in a few way above and they would not go through.
you can go over the limit on your AMEX revolvers (like a Visa Signature). the portion of your balance that is over your limit will be added to your minimum payment and due in Full by your payment due date.
Have you ever done that? Just curious ...

No I haven't had the need to, but I have charged 3x the limit on my revolver on my Green... I don't see why they wouldn't let me charge that much on my revolver if they will on my charge... once it's open for over a year I might see what they will let me charge in a month.

chnceit · ‎08-17-2008

So I tried my "Spending Ability" for my Blue that has a $8.3K CL and it went up to $18K WOW! Cool!

$100K in Credit
Last App: 01/09/13

asteroidblues86 · ‎08-04-2012

I think I played around with mine too much and got locked out of it.

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AMEX Check Your Spending Ability

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