Large transaction on new AMEX?

[CruzImperial]

No problem or concern Imo

[ryanbush]

I understand your concern, after many attempts i was just approved for a CSP with a 5k CL, My first purchase was a 3500 hotel stay and I'm sure I will use the card more that just that between now and the statement date.  My statement doesn't close until 2/8 so I will use my paycheck from 2/31 to PIF...  I'm kinda wondering if chase is going to be worried that I will have a 4k+ balance on the card and wait 20+ days after the statement closes to pay it off.... I've almost thought about paying a 2 or 2.5K from my paycheck at the end of this month to run the balance down some to alleviate any worries they have...

[RockinRay]

Make the charge, pay the bill, and don't look back!

I think you are too worried about this...

[Anonymous]

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@howardroark wrote:

I was recently approved for a new Starwood Preferred Guest card from Amex. In order to get the 25k bonus, I would like to pay my auto insurance with the card. This would be ~ 60% of my CL in one transaction. Is that too large of a transaction for a new card?

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ymmv but i got an 8k limit on a delta gold this month and was FR three weeks later for making 2k in purchases, specifically for making a $1,000 delta purchase (per my conversation with amex). Each situation is different, but it is not as cut and dry as others have made it seem.

[howardroark]

Well, I put the charge through. We'll see what happens.

[Open123]

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@howardroark wrote:
Well, I put the charge through. We'll see what happens.

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FRs are a reality with Amex, and even Chase, except Chase will just close your accounts without any further discourse.

There are some known data points on what may lead to an Amex FR, but no one knows exactly.  It's pointless to fret or worry over it.  Just use your card for purchases that you'd like to put in it, and don't worry about the FR.

If it comes, it'll come.  Nothing you can do.

[Anonymous]

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@Open123 wrote:

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@howardroark wrote:
Well, I put the charge through. We'll see what happens.

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FRs are a reality with Amex, and even Chase, except Chase will just close your accounts without any further discourse.

There are some known data points on what may lead to an Amex FR, but no one knows exactly.  It's pointless to fret or worry over it.  Just use your card for purchases that you'd like to put in it, and don't worry about the FR.

If it comes, it'll come.  Nothing you can do.

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+1

[youngandcreditwrthy]

Yep!!!!

[Imua]

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@Open123 wrote:

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@howardroark wrote:
Well, I put the charge through. We'll see what happens.

---

FRs are a reality with Amex, and even Chase, except Chase will just close your accounts without any further discourse.

There are some known data points on what may lead to an Amex FR, but no one knows exactly.  It's pointless to fret or worry over it.  Just use your card for purchases that you'd like to put in it, and don't worry about the FR.

If it comes, it'll come.  Nothing you can do.

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this is the first time i've read about chase doing FRs 

do any posters have experience with this????

[Open123]

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@Imua wrote:

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@Open123 wrote:

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@howardroark wrote:
Well, I put the charge through. We'll see what happens.

---

FRs are a reality with Amex, and even Chase, except Chase will just close your accounts without any further discourse.

There are some known data points on what may lead to an Amex FR, but no one knows exactly.  It's pointless to fret or worry over it.  Just use your card for purchases that you'd like to put in it, and don't worry about the FR.

If it comes, it'll come.  Nothing you can do.

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this is the first time i've read about chase doing FRs 

do any posters have experience with this????

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Chase doesn't do "FRs" per se, but will just close accounts when they deem necessary.  Unlike Amex, there is no review, discourse, or dialogue.