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Amex adaptation to ones Usage

Established Member

Amex adaptation to ones Usage

So how does Amex decide how to adapt to your spending over time. Is there a set amount one should stay under right after acquiring this card?

 

I use it normally as I did my debit card & credit card. Since they require payment almost 1.5 months later from the my activation date 12-25-2010 payment, statement close 12-10-2010 I am sure to run up close to 1000.00 + including bills, food etc etc

 

I keep reading people getting cut off without warning or declined, so I am curious how they decide to top your "no spending limit" 

 

I really don't want that to happen at a dinner or something embarrassing - would prefer to use the citi card if theres a top off you guys know from experience or word of mouth. 

 

I have the Zync Charge card

 

Thanks 

Message 1 of 25
24 REPLIES
Contributor

Re: Amex adaptation to ones Usage

I use my new AMEX as my Debit Card replacement and pay them weekly (if not more frequently), since I have the money anyway - I am racking up points but never have a high balance.  I did get FR'd 7 days after getting the card, but after a week it was completed and I still have "no spending" limit.  Oh and I have spent about $2600 this way already this month and only have like $400 which I will pay when the statement cuts.

 

I would think it would be based upon your income and usage/payment patterns.

 

 

07/23/12 - EQ - 733

Low Point - 558 in late 2009
Working towards being debt free! FICO Goal: 700+ and debt free!
In my wallet - AMEX Green, Discover Platinum, BOA Alaska Airlines Signature
Message 2 of 25
Established Contributor

Re: Amex adaptation to ones Usage

As far as I know with your history with them. I just used mine twice for a total of 50 dollars and paid it off as soon as both charges showed up. Not going to use it again for a couple weeks. I'm not trying to send off any red flags. a 1000 bucks you put on it already?

__________________________
01/11/2011: FICO:TU: 746
12/14/2010: FICO:EQ: 744
08/12/2011: FICO:EXP: 766
Message 3 of 25
Established Member

Re: Amex adaptation to ones Usage

I presume you are pushing the payments from your bank account to Amex because there is no option to Pay now even if i wanted to unless im missing something

 

thanks 

Message 4 of 25
Established Member

Re: Amex adaptation to ones Usage

1000 bucks probably by mid Dec. close to the payment date 12-25

Message 5 of 25
Contributor

Re: Amex adaptation to ones Usage

No, actually, once you have made a Pull payment via AMEX, then 30 days goes by, you can Pay Via AMEX website once per day!  It is very convienient and I have 2 different banks setup that I can Pull from.

07/23/12 - EQ - 733

Low Point - 558 in late 2009
Working towards being debt free! FICO Goal: 700+ and debt free!
In my wallet - AMEX Green, Discover Platinum, BOA Alaska Airlines Signature
Message 6 of 25
Established Contributor

Re: Amex adaptation to ones Usage

I have only made one payment so far. I think I may wait a few weeks to use the card again. By that point I should be able to make a payment once a day if I wanted to. If you are running up that much money that quickly on the zync card I think you are high risk for FR.

__________________________
01/11/2011: FICO:TU: 746
12/14/2010: FICO:EQ: 744
08/12/2011: FICO:EXP: 766
Message 7 of 25
Established Member

Re: Amex adaptation to ones Usage

How do you setup a PULL payment from amex? Is this an Auto Pay feature?

Message 8 of 25
Established Contributor

Re: Amex adaptation to ones Usage

Just means you added your bank account and pull from it by making a payment via amex website.

 

a push payment would be a payment made on bill pay at your banks website

__________________________
01/11/2011: FICO:TU: 746
12/14/2010: FICO:EQ: 744
08/12/2011: FICO:EXP: 766
Message 9 of 25
Established Member

Re: Amex adaptation to ones Usage

Hmm ok I do have my bank account setup already. However, still I am unable to post a payment it won't let me - says I don't have a balance. Dam n Blast I can see the bloody numbers!!

 

Sighhhh

Message 10 of 25