UPDATE:Will this hurt my credit?

[Luscher]

Oh! and buy me one too please

[Creditaddict]

If your limit isn't at least in the $75k range this charge will never go through.
Most likely they will let a NPSL card charge 10-25% over CL depending on history and credit and all those things

[taxi818]

truely npsl is not unlimited. there is always a internal limit set on every card. but never heard of a csp going that high. but who knows. could be a first.

[NRB525]

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@Anonymous wrote:
I am planing to use my CSP to make a 115k purchase, because of im getting reward points. I have cash in bank ready to pay in off in full. But I dont have that high CL, I called CS, and they said thats a NPSL card because its a VISA SIG. But im afraid it will hurt my credit due to the utilization. Any thought?

Thx in advance.

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OP: In the conversation with the CSR, did you bring up the possibility the charge would be over $100k, or just the concept of NPSL?

[Anonymous]

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@Anonymous wrote:
I am planing to use my CSP to make a 115k purchase, because of im getting reward points. I have cash in bank ready to pay in off in full. But I dont have that high CL, I called CS, and they said thats a NPSL card because its a VISA SIG. But im afraid it will hurt my credit due to the utilization. Any thought?

Thx in advance.

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First of all, congratulations on getting a Patek Philippe (or BMW M6? probably not enough gas guzzler lmao)

Okay just kidding. I don't know anyone that has ever swipped anything 6-digit on a Chase Sapphire, nor I know anyone that ever has a balance above 6 digits. I know Chase offers a high end card for its wm clients ... can't recall it.

Unfortunately you can't check your spending flex with Chase like on Amex's website lol

[elim]

checked his line-up...

"csp with 25k, pnc 2.2k, freedom 6k, amazon 5.5k, amex blue cash 7k, barclay 3k, discover 7k"

freedom is 2 yrs and CSP 3 mo's.

doubt they'll allow "max times 5" on a flex spend card.

[Anonymous]

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@elim wrote:

checked his line-up...

"csp with 25k, pnc 2.2k, freedom 6k, amazon 5.5k, amex blue cash 7k, barclay 3k, discover 7k"

freedom is 2 yrs and CSP 3 mo's.

doubt they'll allow "max times 5" on a flex spend card.

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I also doubt a merchant would allow CC on such a large purchase. If it were me, I'd be super nervous about paying back such a huge CC bill. I guess he could get about half of the amount charged if he maxed each card, but that would just multiply the possibility of getting cards cancelled or having repayment issues.

[NRB525]

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@Anonymous wrote:

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@elim wrote:

checked his line-up...

"csp with 25k, pnc 2.2k, freedom 6k, amazon 5.5k, amex blue cash 7k, barclay 3k, discover 7k"

freedom is 2 yrs and CSP 3 mo's.

doubt they'll allow "max times 5" on a flex spend card.

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I also doubt a merchant would allow CC on such a large purchase. If it were me, I'd be super nervous about paying back such a huge CC bill. I guess he could get about half of the amount charged if he maxed each card, but that would just multiply the possibility of getting cards cancelled or having repayment issues.

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I'm betting it goes through. On one card. It's the kind of major charge that may get a phone call to confirm, but if the resources are visible to the bank, they may let it run.

[Anonymous]

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@Anonymous wrote:
I am planing to use my CSP to make a 115k purchase, because of im getting reward points. I have cash in bank ready to pay in off in full. But I dont have that high CL, I called CS, and they said thats a NPSL card because its a VISA SIG. But im afraid it will hurt my credit due to the utilization. Any thought?

Thx in advance.

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@Anonymous,

If you are buying a fixer- upper house that requires cash only, DO NOT DO IT. Chase will initial agree (those CSR sometimes don't know the right information) but will shut all your cards /accounts down.  I know someone who did that and has regretted it since.  Not only did chase come after him, others shut him down too.  But I really hope that is not what you are buying with it.

[Anonymous]

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@NRB525 wrote:

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@Anonymous wrote:
I am planing to use my CSP to make a 115k purchase, because of im getting reward points. I have cash in bank ready to pay in off in full. But I dont have that high CL, I called CS, and they said thats a NPSL card because its a VISA SIG. But im afraid it will hurt my credit due to the utilization. Any thought?

Thx in advance.

---

OP: In the conversation with the CSR, did you bring up the possibility the charge would be over $100k, or just the concept of NPSL?

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OP: NPSL doesn't mean you have infinite limit, there's an internal limit. If it is truly NPSL I guess I should try to swipe a Gulfstreamer with it.