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AMEX Check Your Spending Ability

Frequent Contributor

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



Message 1 of 21
20 REPLIES
Regular Contributor

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.

Message 2 of 21
Valued Contributor

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
Message 3 of 21
Regular Contributor

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.

Message 4 of 21
Established Contributor

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 | Discover IT | Amex BCE | Citi DCB | Chase Sapphire Reserve | Chase Sapphire Preferred | CapOne | NFCU goRewards and CLOC | Chase Freedom | Walmart | Alliant CU Visa | Couple of Biz Cards | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO (TU/EX/EQ): 737/772/752 - Total CL 215+K

Message 5 of 21
Valued Contributor

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!


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 6 of 21
Super Contributor

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.
Message 7 of 21
Valued Contributor

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 ...


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
Message 8 of 21
Valued Contributor

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! Smiley Surprised Cool!

 


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 9 of 21
Regular Contributor

Re: AMEX Check Your Spending Ability

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

Message 10 of 21