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Valued Contributor
Posts: 1,296
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?

BofA Cash Rewards VS - $25k/9.99% | Citi Dividend World MC - $15k/11.99% | Amex BCE - $25k/10.24% | Chase Freedom VS- $10k/15.24% | Barclay Ring $5k/8.0% | Discover it - $33.5k/11.99%
New Contributor
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


Starting Score: Jan 2011-600TU 598 EQ
Current Score: 769 TU 732EQ 750EX Lender Pull
Goal Score: 755 and higher across the board


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Valued Contributor
Posts: 1,296
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?

BofA Cash Rewards VS - $25k/9.99% | Citi Dividend World MC - $15k/11.99% | Amex BCE - $25k/10.24% | Chase Freedom VS- $10k/15.24% | Barclay Ring $5k/8.0% | Discover it - $33.5k/11.99%
Established Contributor
Posts: 603
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.
About $215,000 total credit among quite a few cards.
Established Contributor
Posts: 877
Registered: ‎08-02-2008
0

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!

FICO: EX: 761 (4/16); TU: 778 (4/16); EQ 741 (4/16)


Valued Contributor
Posts: 1,960
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 **

Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

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.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
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Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Established Contributor
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
Posts: 1,296
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!

BofA Cash Rewards VS - $25k/9.99% | Citi Dividend World MC - $15k/11.99% | Amex BCE - $25k/10.24% | Chase Freedom VS- $10k/15.24% | Barclay Ring $5k/8.0% | Discover it - $33.5k/11.99%
Regular Contributor
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:
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

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