Will Amex tell you if you're nearing your spending limit?

[HiLine]

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@azguy13 wrote:

I know AMEX has a habit of trying AA if you spend too much and then only pay the minimum for a couple months. 

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What does AA mean? How much spending would be considered too much and how many months of paying the minimum would raise a red flag? I have so many questions! 

[09Lexie]

AA = Adverse Action

Tbh, as long as you are paying your bills, your cr is solid- you shouldn't fear an AA/FR

[myjourney]

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@09Lexie wrote:
AA = Adverse Action

Tbh, as long as you are paying your bills, your cr is solid- you shouldn't fear an AA/FR

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+1

Face it we all know Amex is not a long term balance carrying lender

[azguy13]

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@myjourney wrote:

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@09Lexie wrote:
AA = Adverse Action

Tbh, as long as you are paying your bills, your cr is solid- you shouldn't fear an AA/FR

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+1

Face it we all know Amex is not a long term balance carrying lender

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Correct, as long as you are paying your bills you should be fine. All I am saying is don't rack up $7K and then pay the minimum. Just like Myjourney wrote, you dont want to carry a balance for awhile. AMEX is great for a large initial CL and great for a large purchase you are going to pay off within a month or two. 

[joshuapd1987]

Agreed that the internal limit changes, but to reiterate, you can always call a CSR to see if a purchase will clear or ask for an account services rep if you need to discuss your internal limit.