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Established Contributor
Jlu
Posts: 569
Registered: ‎06-12-2012
0

Re: Gas station just pre-authed my AMEX for $500!

This is hilarious - you basically went through a credit approval process to get gas - prime customers only! First Premier $300 limit'ers need not apply!

Wallet: JP Morgan Select Visa Signature $10k | Chase Sapphire Preferred $7k | Citi ThankYou Premier Visa Signature $5700 | AMEX Premier Rewards Gold Card | Barclaycard Visa $5k | Discover IT $10k | Chase Freedom Visa $3k | Capital One Quicksilver $3k | Bank of America Cash Rewards Visa Signature $8k | Walmart Store $5k | Amazon Store $10k | Chase Total Checking |
New Contributor
Funk-O-Meter
Posts: 95
Registered: ‎04-02-2012
0

Re: Gas station just pre-authed my AMEX for $500!

I've read in other threads that this is because each card company has different deals with different merchants. I suppose AMEX has the the higher allowable pre-auth amount and some guys just take the whole amount. I think it shows lack of respect for customers but it's that kind of politics with gas stations I guess. It reminds me of a few years ago when evey bar in town was pre-authing for $50 to start a tab for you even if you just ordered one $2.50 beer. That's a fine policy and I understand but they didn't make at policy of telling the cusomer first. Lots of people assumed rightfully that the card would only be run if you walked on your tab. After angry customers complained almost daily that the bar had over-drafted their checking account and it was going to cost them upwards of $50 for that PBR everyody stopped doint it and only run the card if the cusy walks now. I mean it must makes common sense not to screw your customers ya know?

From no credit to EQ 747 in 16 months using info from these forums!

Chase Freedom 3k, Chase Slate 5k, Chase Sapphire Preferred 6.4K Amex Blue Cash 9k, Discover More 5K, Citi Simplicity 3.2k

RIP: Orchard/Cap1 520CL

Fico 726

Regular Contributor
ramblin_wreck08
Posts: 181
Registered: ‎08-09-2012
0

Re: Gas station just pre-authed my AMEX for $500!

Just got back from Chevron and have a $100 pre-auth pending on a $35 purchase.  It's frustrating, but doesn't bother me too badly.  $500 would though. That's more than excessive.




What's in my wallet:



Left to right:
NPSL ($10k approved)
$5k (EMV - Chip & PIN)
$7k (Visa Sig + EMV)
$7.5k (WEMC)

Transunion FICO: 709 (8/13/12) -> 740 (9/24/12)
Credit Karma: 772 (11/24/13)
Credit Sesame: 755 (11/5/13)
Member
The_Gardener
Posts: 36
Registered: ‎08-14-2012
0

Re: Gas station just pre-authed my AMEX for $500!

I wouldve gotten denied trying to preauth! :smileysurprised:

In my wallet, Discover More, BOA 1 2 3. AMEX PRG (au)

EX-722(AMEX DENIAL)
EQ-692
CK-734
CS-703
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Gas station just pre-authed my AMEX for $500!

i havent had that problem wit amex green or bce but ive had it with bofa amex. $375 pre-authed when filling up $60 smh..

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)
Valued Contributor
jamesdwi
Posts: 1,531
Registered: ‎09-16-2011
0

Re: Gas station just pre-authed my AMEX for $500!

wow that gives you a reason to checking spending ability on my Zync card...  one way to increase my internal limit take mine and the wife's car to the gas station and fill both tanks with different transactions, a $1000 in pre-auths that will get removed in a day or two and never post. 

 

 


Cards: Chase Southwest 20k & CSP 10k & Amtrak 4.6k, & Freedom 3.3k & Slate 3.3k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & AMEX Hilton Surpass 7.5k & AMEX Zync NPSL, Sams Club Discover 10k, Paypal Extras MC 6k, CapOne 2.5k, CapOne 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Gas station just pre-authed my AMEX for $500!


jamesdwi wrote:

wow that gives you a reason to checking spending ability on my Zync card...  one way to increase my internal limit take mine and the wife's car to the gas station and fill both tanks with different transactions, a $1000 in pre-auths that will get removed in a day or two and never post. 

 

 


pre-authed arent posted to account...they stay in pending charges until they are processed for the right amount.

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)
Valued Contributor
jamesdwi
Posts: 1,531
Registered: ‎09-16-2011
0

Re: Gas station just pre-authed my AMEX for $500!

yes but they could still be figured in your use for internal limits, who knows its an AMEX secret how they compute internal limits

 


Cards: Chase Southwest 20k & CSP 10k & Amtrak 4.6k, & Freedom 3.3k & Slate 3.3k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & AMEX Hilton Surpass 7.5k & AMEX Zync NPSL, Sams Club Discover 10k, Paypal Extras MC 6k, CapOne 2.5k, CapOne 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Gas station just pre-authed my AMEX for $500!


jamesdwi wrote:

yes but they could still be figured in your use for internal limits, who knows its an AMEX secret how they compute internal limits

 


might as well buy something big and return it its the same thing. i don think it counts

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)
Contributor
SoCalBound
Posts: 96
Registered: ‎06-24-2012
0

Re: Gas station just pre-authed my AMEX for $500!


Funk-O-Meter wrote:

Well yea it's no big deal at all if you've got pleanty of available credit but I had just got back from traveling. .... I had about grand worth of pre-authes over the week and a half of traveling. I wasn't planing on maxing out the cards just using them for the perks (rental insurance, travel insurance, points, etc.) . Had that occured a week before when I was 3 states away and tied up $500 of available credit I may have had a real problem.


I have been planning a vacation, was in building mode myself for several years.  When I started crunching the numbers (hotels 150 a night, car rental 350 for the week, food, gas, activities) I soon realized the added holds were going to kill my available credit.  It's just something people with little credit need to plan for when planning a vacation/doing activities.  Always have a backup plan

Zync NPSL, BCP ($2000), Chase United ($2000) Chase Amazon ($1500), Chase Freedom ($3000), Discover More ($2000), Paypal Extras ($5000), Citi Forward ($2000), Orchard $2000, Amazon ($5000)
Pre-App Scores: TU98 779, TU04 797, EQ 682, EX 788 (Amex) 8/12

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