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Calling Amex before purchase

Valued Contributor

Calling Amex before purchase

So here's the deal, last year's income was a 4th of what I make, but i listed that since that's what I had to verify via 4506..

 

Anyway, $5,700 income, my address is in NJ, but I live/go to college in Boston, MA.  Will a $150 dinner charge potentially get declined?  Should I call them beforehand?

BofA Cash Rewards VS - $25k | Citi Double Cash World MC - $18.9k | Amex BCE - $50k | Discover it - $50k | Chase Freedom Unlimited VS- $10k | Barclay Ring $5k |
Message 1 of 19
18 REPLIES
New Contributor

Re: Calling Amex before purchase

I doubt it but you never really know with Amex you can always try the test charge by checking your spending ability


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Message 2 of 19
Valued Contributor

Re: Calling Amex before purchase

I just tested it for $500, approved.  Did $200 two days ago no problem there either.  Do you think they weigh the credit lines I have when assigning my soft-limit?

BofA Cash Rewards VS - $25k | Citi Double Cash World MC - $18.9k | Amex BCE - $50k | Discover it - $50k | Chase Freedom Unlimited VS- $10k | Barclay Ring $5k |
Message 3 of 19
Established Contributor

Re: Calling Amex before purchase

Don't play with that "will my charge be approved" link too much; it can cause major issues. Trust me.
About $215,000 total credit among 11 cards
Message 4 of 19
Established Contributor

Re: Calling Amex before purchase


n777ua wrote:
Don't play with that "will my charge be approved" link too much; it can cause major issues. Trust me.

+100!

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Message 5 of 19
Valued Contributor

Re: Calling Amex before purchase

I would not bother to call them, personally. I do not suspect you would have a problem unless this is something that is not your "normal spending pattern". That might raise some eyebrows but if you are looking at $150 max - do not worry.

 

Ray

Ray

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Message 6 of 19
Moderator Emeritus

Re: Calling Amex before purchase


n777ua wrote:
Don't play with that "will my charge be approved" link too much; it can cause major issues. Trust me.

Yeah, I'm afraid to go near it. I used it ONCE before using my card for the very first time, just to make sure that everything was activated properly and I was good to go. I tested it for $200 that one time and I haven't been near it since.


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Message 7 of 19
Established Contributor

Re: Calling Amex before purchase

This button appears on my Delta card. Being a credit card and having no charge card with Amex I wondered why this button was there. Credit cards usually let you go to there limit. I then thought maybe its for going over the limit and typed an amount $1 over. It said if it was denied but if I linked a bank account it would be approved. This is something I find very weird and wont think of going over my limit but just thought id let you guys know.

Message 8 of 19
Valued Contributor

Re: Calling Amex before purchase

I will only use that feature once in a while when I really want to make sure a charge will go through.

 

Anyway, the bill ended up being $60, and the charge went through just fine!

BofA Cash Rewards VS - $25k | Citi Double Cash World MC - $18.9k | Amex BCE - $50k | Discover it - $50k | Chase Freedom Unlimited VS- $10k | Barclay Ring $5k |
Message 9 of 19
Regular Contributor

Re: Calling Amex before purchase

Back when I was in college, I had listed my income as $8g when I got my AMX Blue Cash.  I never wanted to list my parents income as a supplement.

 

Anyway, in my junior year of college, I bought a $1500 macbook, and the charge went through, no problem. I paid in full within 24 hours, but there were no issues at the mac store.

Current Cards:
American Express Blue Cash Preferred - March 2007 - CL $10,000
Citi Forward Visa Signature - September 2009 - CL $6,500
Chase Freedom - March 2011 - CL $15,000
Chase Sapphire Preferred - May 2013 - CL $12,500
Discover It - November 2013 - $5,000
Barclay Arrival - January 2014 - $10,000
Message 10 of 19