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Amex Check Your Spending Ability?

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timmis1127
Regular Contributor

Amex Check Your Spending Ability?

I just received my amex green card and was goofing off and clicked the check your spending ability and i put in $2000 and they said we cant approve this transaction, is this going to spark a finanical review?

Message 1 of 12
11 REPLIES 11
CS800
Super Contributor

Re: Amex Check Your Spending Ability?

Did I mention the kick in the groin you'll be receiving if you touch this option??

 

 

j/k. your card is too new to even get an FR I would hope. But don't tempt your luck




Message 2 of 12
Uncle_Money
Established Contributor

Re: Amex Check Your Spending Ability?

I wouldn't fret over this. I often check my spending ability and enter significant amounts. ($50,000 and up)

 

UM

Personal: American Express Platinum - NPSL | American Express Blue Cash Preferred - $15,000 | Chase Sapphire Reserve - $38,500 | Chase Amazon Prime Visa - $7,200 | Chase Freedom - $500 | Barclaycard Arrival+ - $18,600 | PenFed Platinum Rewards - $25,000 | PenFed LOC - $10,000 | Navy Federal Credit Union Platinum Visa - $25,000 | Navy Federal Credit Union LOC - $10,000 | Citi Double Cash - $12,170 | Citizens Cash Back+ - $8,650 | Citizens LOC Overdraft - $8,000 | Discover - $10,000 | Capital One Quicksilver One - $3,600 | Capital One Platinum - $750 | Valero - $600 | Dell - $3,000 | Lowes Advantage - $30,000 | Macys Amex - $25,000 | The Home Depot - $7,500 | Tourneau - $15,000
Business: American Express Business Platinum Card - NPSL | American Express Plum Card - NPSL | American Express SimplyCash Plus - $10,000 | American Express Gold Card - NPSL | Bank of America Cash Rewards - $100,000 | Capital One Spark Business - $54,000 | Chase Business Preferred - $34,000 | Chase Business Ink - $15,000 | PNC Bank Cash Rewards Visa Signature - $19,000 | PNC LOC $100,000 | BP Business Solutions - $1,500 | KeyBank Mastercard - $6,000 | Staples More Account - $3,500

Message 3 of 12
tray
Valued Contributor

Re: Amex Check Your Spending Ability?

Well, at least we all know now that the check my spending ability link works appropriatelySmiley Wink


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Message 4 of 12
pmbrian
Contributor

Re: Amex Check Your Spending Ability?

Potentially - just don't lie in the process - I got a Green, and one day was denied on a transaction and that is how I found out I was being FR'd - passed with flying colors and now I pass through aount 5-6K through the card a month for the rewards.


03/25/20 - FICO 8 EQ - 709 TU - 717 EX - 718


09/02/19 - FICO 8 EQ - 702 TU - 699 EX - 714
Message 5 of 12
Watchmann
Valued Contributor

Re: Amex Check Your Spending Ability?


@timmis1127 wrote:

I just received my amex green card and was goofing off and clicked the check your spending ability and i put in $2000 and they said we cant approve this transaction, is this going to spark a finanical review?



Never use 'goofing off' and 'AMEX' in the same sentence, it will come to a bad end. 

Message 6 of 12
GoodCredBen
Valued Contributor

Re: Amex Check Your Spending Ability?

my corp card amex gave me a 5k limit lmao x.x

 

My credit journey has completed. I am currently sitting at 800+ across the board.

I started my journey here years ago, and thanks to MyFico, it really is possible.
Message 7 of 12
timmis1127
Regular Contributor

Re: Amex Check Your Spending Ability?

You were denied a check my spending ability or a transaction at a store?
Message 8 of 12
dharalex
Established Contributor

Re: Amex Check Your Spending Ability?

I've used it twice with no problem. My acct is only 2 months old, so when I made my 1 st large payment, I wanted to make sure it would go thru...it did. Then this past week, I wanted to pay a bill double that amt, so I asked again, and it was again approved. I think if you press the button, you should be genuinely prepared to make that purchase.


Starting Score: TU:676;EQ:648 8/2011
Current Score: TU:738; EQ: 739 ;EX: 729 6/2012
Goal Score: 760


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Message 9 of 12
Anonymous
Not applicable

Re: Amex Check Your Spending Ability?

I personally wouldn’t mess with that button. I apped for their zync and was instantly approved. I got the card a week later and was playing with the spending ability button, and the next day received a call and I was FR'd. I didnt even have the card a full 24 hours Smiley Happy Maybe coincidental but you never know with Amex.

Message 10 of 12
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