Reply
New Member
Posts: 2
Registered: ‎02-13-2010
0

Amex spending ability

Im just curious if this is something weird with me or normal for everyone.  I use my Amex card for a lot of things I've had my balances anywhere from 1500 to 18,000 but lately when I check my spending ability it denies me for any amount although if I call in I said 50k and the lady said approved?.....  I have no intention of spending this amount but I was just curious.  The lady said there was a problem with there new system is this the case with anyone  else.  I don't like calling in so I was just wondering.

Senior Contributor
Posts: 3,528
Registered: ‎01-19-2009
0

Re: Amex spending ability

Just curious, are you just checking the epnding ability without any plans to use it? I heard its not a good idea to play with it because it could set off a fraud alert

New Member
Posts: 2
Registered: ‎02-13-2010
0

Re: Amex spending ability

No I wasn't just doing it for sport.  It just annoyed me when it would tell me to call in.

 

Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
0

Re: Amex spending ability


john398 wrote:

Just curious, are you just checking the epnding ability without any plans to use it? I heard its not a good idea to play with it because it could set off a fraud alert


:smileyvery-happy:

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
0

Re: Amex spending ability


237879 wrote:

Im just curious if this is something weird with me or normal for everyone.  I use my Amex card for a lot of things I've had my balances anywhere from 1500 to 18,000 but lately when I check my spending ability it denies me for any amount although if I call in I said 50k and the lady said approved?.....  I have no intention of spending this amount but I was just curious.  The lady said there was a problem with there new system is this the case with anyone  else.  I don't like calling in so I was just wondering.


Careful, you are knocking on the FR boogie man. I understand that many of us got nothing to hide... but it's the fact that you have to give your tax information to other people. It can be a hassle and not to mention account will be on freezing status.

 

 

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Epic Contributor
Posts: 24,084
Registered: ‎10-23-2007
0

Re: Amex spending ability

When you say annoyed about call in... Are you actually getting denied at POS with please call and you don't ike that so you check it or are you worried this will happen?  I would say if you have been at $18k and rep says $50k would be approved, I wouldn't worry about it until at least the $25k range unless it's been more than 6 months since you have been up over say $10k.

Fico Scores: EQ- 647., TU 705 Sync, EX 700 (04/07/15)
I'm just trying to catch up to RON1
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
80 Cards and Counting :smileytongue:
Super Contributor
Posts: 5,065
Registered: ‎12-11-2011
0

Re: Amex spending ability

From what I've read, overuse of the check spending ability function goes hand in hand with an FR, so just be careful.
;
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.