12-14-2013 08:19 PM
My unicorn card is current in its pen (safe deposit box at the bank) for the winter, haven't charged more than $50 in any month in the last six month if not a year and in the card's 3 years of history its only seen a maximum monthly spend of perhaps $1100 when "packs" still existed, and , typiical charges are $14.95 myfico subscription, so I had just paid off the $14.95 balance then hit the check spend button for $5k appoved, so they don't consider non-use a reason to reduce your internal limit as long as you have good payments on your other AMEX cards.
12-14-2013 08:38 PM - edited 12-14-2013 08:39 PM
So you're saying playing with its magical "horn" (occasionally) won't put a bad spell on spending... LOL. Since it's not my primary AMEX for usage and I may charge on it here and there, I don't even recall the last time I checked the spend button.
12-14-2013 08:45 PM
i hadn't used it in a while, my previous tests were to try the button when there was a $1000 balance on the card and request a $2k purcase thus testing if $3k would work, and then a few moments later PIF and never make the large purchase. Perhaps next month I may try $10k just to see if works with no intention of making the purchase.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO