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Frequent Contributor
jake619
Posts: 496
Registered: ‎11-13-2012

AMEX Check Your Spending Ability

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



Regular Contributor
asteroidblues86
Posts: 234
Registered: ‎08-04-2012

Re: AMEX Check Your Spending Ability

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.

Valued Contributor
ryanbush
Posts: 1,293
Registered: ‎08-19-2012

Re: AMEX Check Your Spending Ability


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.

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Regular Contributor
asteroidblues86
Posts: 234
Registered: ‎08-04-2012

Re: AMEX Check Your Spending Ability


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.

Established Contributor
shakalaka
Posts: 547
Registered: ‎09-10-2012

Re: AMEX Check Your Spending Ability


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 ...


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (17,400) | Discover IT (12,700) | Chase Freedom (4,800) | Walmart (4,500) | CapOne (1,500) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 748 (4/30) EQ 730 (4/26) EX 748 (12/5)

Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008

Re: AMEX Check Your Spending Ability


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 Credit Card App: 11/16/13
Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011

Re: AMEX Check Your Spending Ability

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 Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Valued Contributor
ryanbush
Posts: 1,293
Registered: ‎08-19-2012

Re: AMEX Check Your Spending Ability

[ Edited ]

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.

Chase Sapphire Perferred | Chase Freedom | AMEX Platinum | AMEX Delta Platinum | AMEX SPG | Capital One Venture | Capital One Quicksliver | Discover IT | ABFCU Visa | Citi AA WEMC
Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008

Re: AMEX Check Your Spending Ability

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

 


$100K in Credit
Last Credit Card App: 11/16/13
Regular Contributor
asteroidblues86
Posts: 234
Registered: ‎08-04-2012

Re: AMEX Check Your Spending Ability

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


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