Amex Zync Credit Limit Button???!

[logan_720]

---

@Open123 wrote:

Of course, you should use the button when you need to know what you can charge at any given time.  

I'm sure there's harm in doing so.  I would advise pressing it 50 times per day though.

---

That's a no brainer. I have pressed it 3 times since January. All times, I haven't come close to charging the allotted amount.

[webhopper]

---

@logan_720 wrote:

---

@Open123 wrote:

Of course, you should use the button when you need to know what you can charge at any given time.  

I'm sure there's harm in doing so.  I would advise pressing it 50 times per day though.

---

That's a no brainer. I have pressed it 3 times since January. All times, I haven't come close to charging the allotted amount.

---

I've read that the charge card internal limits increase rapidly with good payment history... much faster than a revolver from Amex. I've been lurking in the business forum, and a lot of business owners are starting with 2-5k internal limits and paying a lot in the first cycle, and are now at over 50k internal limits. I suspect Amex looks at your spending pattern and payment pattern as well as income when setting the internal limit.

[espnjunkie]

I started with a 2,200.00 internal limit in early febuary and now am definitely over 5,000.00 for internal limit (soon to be higher after a big spending month once I pay). It grows much quicker than a revolver would once you have shown them you will pay on time.

[jamesdwi]

---

@Anonymous wrote:

i want to try it andjust put like 3000 or 4000 

---

The method I use to test my spending limit is to pay all my typcal bills for the month on the card, for example if that is $2000 and I want to test to see if I have a $4000 limit, I use the button to check if i can run a $2000 additional on the card, it may be less impactful to AMEX than if i just tried $4000 on a card with a zero balance showing. Then I usually PIF shortly after that

[espnjunkie]

They don't really care if you use that check spending ability button but just don't go crazy with it. It is there for a reason, not to punish you for being curious.

[Brian_Trying_700]

Im still on my $500 auto pay . I figured I would check it. Here is the message I got. "This request exceeds the limit on this account. Please go to Pay Bill to make a payment to bring your balance down so you'll have more room to spend".

[LS2982]

---

@webhopper wrote:
I would put whatever you would reasonably expect to spend during a cycle

---

I agree with this, playing with it only ignites trouble in the future if the amount you put in is not reasonable.