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New Member
237879
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
john398
Posts: 3,526
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
237879
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
Repo-ed
Posts: 2,960
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
armbenderc
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
Creditaddict
Posts: 22,093
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- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Senior Contributor
jsucool76
Posts: 4,017
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.
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