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What's the point of a limit if you can go way over?

Super Contributor

Re: What's the point of a limit if you can go way over?

careful with the "check spending ability" page. I've heard it could possibly trigger an FR.
Message 11 of 14
Valued Contributor

Re: What's the point of a limit if you can go way over?


nada9188 wrote:
Other thing to keep in mind is that if you are over the limit at statement date for four months in a year you go to default apr.

That is something I did not know.. Interesting. May explain why my Citi AAdvantage card went to 29.99 a couple years ago. Although I don't recall going over the CL that many times.


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 12 of 14
Valued Contributor

Re: What's the point of a limit if you can go way over?


jsucool76 wrote:
careful with the "check spending ability" page. I've heard it could possibly trigger an FR.



Ooops. I hope they would understand my explanation of playing with the website on a new card...haha

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


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Message 13 of 14
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Frequent Contributor

Re: What's the point of a limit if you can go way over?

Could be. All I know is that rule is Amex specific. Doesn't mean other issuers don't have the rule as well.
Message 14 of 14