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Valued Contributor
jamesdwi
Posts: 1,421
Registered: ‎09-16-2011

Playing with my Unicorn's check spend button

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.

 

 

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
FinStar
Posts: 5,156
Registered: ‎10-21-2012

Re: Playing with my Unicorn's check spend button

[ Edited ]

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.

Valued Contributor
jamesdwi
Posts: 1,421
Registered: ‎09-16-2011

Re: Playing with my Unicorn's check spend button

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.

 

 

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.

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