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Regular Contributor
GoldenloveNY
Posts: 243
Registered: ‎02-29-2012
0

Does AMEX really care where you used their cards?

[ Edited ]

So I was browsing the forum's archives, and I came across a few people saying that AMEX monitors their cardholders and where they use their charge and credit cards. A poster (Can't remember the name) even said that AMEX doesn't like their cardmembers to used their charge cards in places like Walmart and supposedly canceled a member's card for that reason. Supposedly, they like to see their members use their cards for upper class reasons.

 

This all seem silly, and I am not even sure why I am bringing this up. But this is a forum where people can ask questions (as stupid as they may be) and get feedback. I am using my ZYNC for almost all my expenses, and even for silly things, like coffee. I don't care. They know I am a college student. I am not going to be using my card for travel or expensive hotels/dinning places as their super weathly cardmembers do. 

 

Zync from American Express- NPSL
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Discover IT- $1,500
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Valued Contributor
JM-AM
Posts: 3,302
Registered: ‎06-09-2010
0

Re: Does AMEX really care where you used their cards?

While others have mentioned that Amex cares, in my personal experiences I have never had any issues using my Amex card any place including Walmart. As a matter a fact right now Amex and Walmart are advertising together to use your Amex. 

 

While this could have been a concern from the past in my opinion it no longer exist if it ever did to begin with.

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Regular Contributor
GomerPyle
Posts: 114
Registered: ‎03-17-2009
0

Re: Does AMEX really care where you used their cards?


GoldenloveNY wrote:

So I was browsing the forum's archives, and I came across a few people saying that AMEX monitors their cardholders and where they use their charge and credit cards. A poster (Can't remember the name) even said that AMEX doesn't like their cardmembers to used their charge cards in places like Walmart and supposedly canceled a member's card for that reason. Supposedly, they like to see their members use their cards for upper class reasons.

 

This all seem silly, and I am not even sure why I am bringing this up. But this is a forum where people can ask questions (as stupid as they may be) and get feedback. I am using my ZYNC for almost all my expenses, and even for silly things, like coffee. I don't care. They know I am a college student. I am not going to be using my card for travel or expensive hotels/dinning places as their super weathly cardmembers do. 

 


AMEX cares about one thing.  You paying your bill. Pay in full keeps them very happy and paying over time is OK. Just do not take a long time to pay.  Do not pay and you will see how interested they become.

Valued Contributor
Jazzzy
Posts: 2,679
Registered: ‎07-29-2009
0

Re: Does AMEX really care where you used their cards?

I don't believe it makes a difference. We live in a small town and WalMart is the most extensive shopping available. We use our AmEx at WalMart all the time. (Discover won't give you your 1% cash back there, even if you have reached their minimum $3k spend to start earning it...so there is no reason to use Discover there.)

Established Contributor
Watchmann
Posts: 985
Registered: ‎05-14-2008
0

Re: Does AMEX really care where you used their cards?

Generally they don't care, BUT if you make a habit of using it heavily at liquor stores, strip clubs, lawyer fees, pawn shops and bail bondsmen types of establishments do not be surprised if you get flagged.  Be sensible, AMEX is the leader in AI in being able to sift and sort data to get an idea if you will end up paying your bill or not.

Regular Contributor
GoldenloveNY
Posts: 243
Registered: ‎02-29-2012
0

Re: Does AMEX really care where you used their cards?

[ Edited ]

Watchmann wrote:

Generally they don't care, BUT if you make a habit of using it heavily at liquor stores, strip clubs, lawyer fees, pawn shops and bail bondsmen types of establishments do not be surprised if you get flagged.  Be sensible, AMEX is the leader in AI in being able to sift and sort data to get an idea if you will end up paying your bill or not.


That one made me laugh. LOL. Thanks for all the responses. I know...I am using my charge card wisely (for everyday expenses). I don't charge large purchases, but I will typically run about 1-1.5K a month through my ZYNC. I paid AMEX last month a few days after my statement closed. My currect statment will close on Friday, and I will make a payment on Saturday. I am sure AMEX will be very please.....

Zync from American Express- NPSL
Amex BCE- $1,000
Discover IT- $1,500
Bank of America 1-2-3 Rewards-$1,000
Chase Freedom- $500
Capital One- $500
Epic Contributor
Creditaddict
Posts: 21,553
Registered: ‎10-23-2007
0

Re: Does AMEX really care where you used their cards?

THEY DO NOT CARE as long as it's normal spending for you if charge card, or you work your way up... but on credit card, unless you stop paying large payments or miss payments or other things happen bad on your credit report Amex just wants you to swipe away... it's kind of scary and depressing a little but back in the 2004ish area I drank (as an understatment) I know little different credit time then but I used Amex at this one bar because they took and no it was not labeled any other way like most do now (it showed flat out bar/liquor what not) and I put roughly $25-$30k through it over about a 6 month period, I never even got a call let alone any other issues.

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Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Does AMEX really care where you used their cards?

Ive used my green, gold and BCE at strip clubs, bars even small random spanish restaurants and they dont care. Hel ive used them to buy stripper dollars and nothing.
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Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Does AMEX really care where you used their cards?

Lmao@jsickz.

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Senior Contributor
Walt_K
Posts: 3,065
Registered: ‎11-02-2009
0

Re: Does AMEX really care where you used their cards?

Strip clubs, bars, and (gasp) small Spanish restaurants. You really are pushing the limits.

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