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Valued Contributor
smc733
Posts: 1,262
Registered: ‎05-13-2010
0

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?

New Contributor
addicted_to_credit
Posts: 106
Registered: ‎02-28-2011
0

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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Valued Contributor
smc733
Posts: 1,262
Registered: ‎05-13-2010
0

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?

Established Contributor
n777ua
Posts: 573
Registered: ‎05-29-2011
0

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.
Amex Green NPSL, Amex BCE $19.7k, Amex HH Surpass $11.3k, Amex Simply Cash Business $3k, Chase Ink Bold $15k (flex)Chase Sapphire Preffered $26k, Citi Diamond $13.3k, Citi TY Preferred $10.5k, Virgin Atlantic Amex $8k, Discover Motiva $10k, Boa World Elite $10k, US Bank Visa $4.1k, GE Amazon $4k, GE Lowes $6k, BillMeLater $5.3k, Target $.2k, CapOne $2k Von Maur NPSL,
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UFGuy2006
Posts: 745
Registered: ‎08-02-2008
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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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Valued Contributor
RockinRay
Posts: 1,947
Registered: ‎08-13-2007
0

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

** Every Card has a Job, and Every Card does its Job **

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tinuviel
Posts: 4,875
Registered: ‎11-02-2010
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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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Established Contributor
TannerK
Posts: 1,275
Registered: ‎12-02-2010
0

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.

Valued Contributor
smc733
Posts: 1,262
Registered: ‎05-13-2010
0

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!

Regular Contributor
alph4
Posts: 124
Registered: ‎08-06-2009
0

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:
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