NPSL Experiences

[Luscher]

Yea well they know its a business card. and business's have a lot of bills and need to spend money so im sure they are aware that the card will fluctuate monthly.

[cottontop]

I didn't call in on the Chase cards.  I knew the lady at the vendor very well and told her I was experimenting on credit lines, so I was prepared for a decline. Should've tried more I guess...

[HiLine]

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@eddie84 wrote:

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@cottontop wrote:

eddie84, I use the "will my charges be approved" before every transaction.  I love the feature.  I wish the others had a similar tool, but this is the reason for my experimenting with the other banks.  Just what are they willing to do...

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Yah, Amex is cool for putting that button there.  And you're right!  I wish every other cards with NPSL would have that feature (instead of having to call it in every time).

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Do you know how consistent Amex is with that function? If you are approved online for 20k can you buy something worth 20k right away without getting a phone call from them?

[cottontop]

I would always check the button on AMEX and then charge an amount similar on the same day.  Never had a problem or had to call in.  Only calls I have had from them were after charges posted and my balance went above a certain amount, they would call asking for a payment of x dollars so my card could continue to be used without interuption. 

[eddie84]

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@HiLine wrote:

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@eddie84 wrote:

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@cottontop wrote:

eddie84, I use the "will my charges be approved" before every transaction.  I love the feature.  I wish the others had a similar tool, but this is the reason for my experimenting with the other banks.  Just what are they willing to do...

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Yah, Amex is cool for putting that button there.  And you're right!  I wish every other cards with NPSL would have that feature (instead of having to call it in every time).

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Do you know how consistent Amex is with that function? If you are approved online for 20k can you buy something worth 20k right away without getting a phone call from them?

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So far they've been pretty consistent for me but of course, I always call it in also just to double check.   Would hate to have one of my cards get declined any where.

[wHiTeSoL]

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@Luscher wrote:
thats awesome. I hope to someday work for a company that needs me to spend some cash that will be reimbursed just so I can rack up some points on their expense haha. they won't FR you if you pay in full every time.

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I was hoping that too but my company had to give me corporate cards......