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

[jsucool76]

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

[Epcot]

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@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.

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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.

[Dustink]

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

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

[nada9188]

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