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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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AMEX taboo charges?

[ Edited ]

Is it ok by AMEX standards to use a personal charge card like ZYNC, Gold, etc. to pay travel expenses for your work? Is that a legit reason to include in my request for CLI at day 61 for their revolvers?

 

I will be traveling for 2.5-3 months straight for work (very long complicated trial) and would like to place most of these charges (Delta flights, hotels, etc.) on my AMEX products (ZYNC and Delta Gold card).  Is it ok to use these cards for business related expenses?  I'll be pushing about 10k/month through cards during this time.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
Posts: 2,681
Registered: ‎07-29-2009
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Re: AMEX taboo charges?

I am a medical provider (nurse practitioner) with a travel contract. Every travel charge that can goes on my Delta AmEx.

 

I think it's a perfectly legit reason to ask when the time for your CLI comes around.

Valued Contributor
Posts: 1,990
Registered: ‎09-16-2011
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Re: AMEX taboo charges?

[ Edited ]

Duncanrr wrote:

Is it ok by AMEX standards to use a personal charge card like ZYNC, Gold, etc. to pay travel expenses for your work? Is that a legit reason to include in my request for CLI at day 61 for their revolvers?

 

I will be traveling for 2.5-3 months straight for work (very long complicated trial) and would like to place most of these charges (Delta flights, hotels, etc.) on my AMEX products (ZYNC and Delta Gold card).  Is it ok to use these cards for business related expenses?  I'll be pushing about 10k/month through cards during this time.


I don't think the travel for work expenses will be your issue. It will be that you are charging more than your monthly income, which is a red flag for AMEX and lead to a F/R. I would try for  one of there revolvers, your score is a little low but you are a member so it will be a SP. Perhaps Delta Gold or SPG if your work will pay for a nicer hotels, or hilton honors card.

 

 


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 12/15/2014
Valued Contributor
Posts: 2,658
Registered: ‎06-05-2008
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Re: AMEX taboo charges?


Duncanrr wrote:

Is it ok by AMEX standards to use a personal charge card like ZYNC, Gold, etc. to pay travel expenses for your work? Is that a legit reason to include in my request for CLI at day 61 for their revolvers?

 

I will be traveling for 2.5-3 months straight for work (very long complicated trial) and would like to place most of these charges (Delta flights, hotels, etc.) on my AMEX products (ZYNC and Delta Gold card).  Is it ok to use these cards for business related expenses?  I'll be pushing about 10k/month through cards during this time.


I don't know about Amex, but I gave that as the primary reason for a CLI request with Chase on the Freedom card, and they doubled my limit.

3-26-15: FICO EXP: 814 - EQU:813 - TRAN: 809 - AVG: 812 +262 points from JUN 2008 - MY CREDIT JOURNAL

Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: AMEX taboo charges?

Im not worried about FR. The information I gave them in my app is fully supported by my tax returns and I use personal CPA for them so documentation isnt a problem.  But you are right its above my monthly income.  Maybe I will call them prior to travel and give them a heads up.



Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
Posts: 1,990
Registered: ‎09-16-2011
0

Re: AMEX taboo charges?


Duncanrr wrote:

Im not worried about FR. The information I gave them in my app is fully supported by my tax returns and I use personal CPA for them so documentation isnt a problem.  But you are right its above my monthly income.  Maybe I will call them prior to travel and give them a heads up.


Just carry a backup card, if you are F/R'd you wont be able to use it for a 2-3 weeks. 

 

 


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 12/15/2014
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: AMEX taboo charges?

Well I just got Amex delta also with 2k CL. If they did fr on charge card does that freeze revolver? I almost want to send them copies of my paystubs for their records.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,990
Registered: ‎09-16-2011
0

Re: AMEX taboo charges?

I would guess they shut down all AMEX cards but not sure. 

 

 


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 12/15/2014
Valued Contributor
Posts: 2,505
Registered: ‎11-11-2010
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Re: AMEX taboo charges?

[ Edited ]

Duncanrr wrote:
Well I just got Amex delta also with 2k CL. If they did fr on charge card does that freeze revolver? I almost want to send them copies of my paystubs for their records.

FR freezes your account. Most people hate FR because the freeze is unannounced, leading to embarrassing moment (and returned payment fee for AutoPay).

 

AMEX do NOT want your paystub, they WANT your 4506-T form. 4506-T shows your tax record for the last two years. Everything on your tax record is shown to AMEX. If you jointly file tax with your spouse, everything about your spouse is also available to AMEX.

 

I would not charge work expense on to your card unless it is a small amount. It does not matter if you are getting reimburse. Spending more than your monthly income is very likely to trigger FR.

 

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Regular Contributor
Posts: 351
Registered: ‎02-01-2010
0

Re: AMEX taboo charges?


Duncanrr wrote:

Is it ok by AMEX standards to use a personal charge card like ZYNC, Gold, etc. to pay travel expenses for your work?


 

Sure. Amex should be happy!

Meg.

FICO: 04/2014 - TU 765 | EQ ??? | EX 768

Barclays / Sallie Mae World MC 13,000 | FNBO 11,600 | Lowes 10,000 | LOC 9,300 | Amex BCP 7,200 | BOA Platinum+ 6,000 | Amex SPG 5,700 | Achieva CU 5,500 | Citi Simplicity 5,200 | Chase CSP 5,000 | Discover 4,000 | Sam's Club 3,000 | Sears 900
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