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Does AMEX really care where you used their cards?

Frequent Contributor

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

I don't know this for a fact, but I'm guessing it would raise a red flag if you suddenly started using it heavily for medical expenses, like there was a 5000 charge for an operation or something.  Given that medical costs are one of the biggest  reasons for people declaring bankruptcy, Amex would look closely at an account that had a lot of high medical charges.  I don't think you have anything to worry about though, based on your types of charges - they are run of the mill charges that most people use their cards for.  As others have said, Amex is chiefly concerned that you'll pay your bill.  Do that faithfully (sounds like you are) and they're happy.

 

Message 11 of 17
Valued Contributor

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

Lmao im serious. I even did 2 days in a row and nothing
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 12 of 17
Valued Contributor

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


jsickz32 wrote:
Lmao im serious. I even did 2 days in a row and nothing

Did you get lapdance? Smiley Surprised

 

Anyway, ROFL!

 

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%
Message 13 of 17
Valued Contributor

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

@armbenderc
Thats what the stripper dollars were for lol
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 14 of 17
Senior Contributor

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

Well, it says on their webpage somewhere that unusual spending patterns trigger concern... So like maybe if you charge more one month than any other by a substantial percentage. I use mine in several diff locations, and they never call me for security or anything. Weird.
I don't really like strip clubs haha but I like dance clubs ;-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 15 of 17
Senior Contributor

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

Locations= diff states, cities
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Message 16 of 17
Moderator Emeritus

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

Thread is locked and under Moderator review.

 

Politics is one of the 5 things that can't be discussed on these forums. Seems like there was another....

Message 17 of 17