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What's the most you ever charged to a credit card in one single swipe?

New Contributor

What's the most you ever charged to a credit card in one single swipe?

I charged $4K for a used car once. PIF a couple of weeks later.

If you build it, they will come.




Amex BCE | Amex ED | Citibank DC | Discover IT | BofA Rewards | Capital One QS | Amazon Prime VS | Wells Fargo Platinum
Message 1 of 43
42 REPLIES
Regular Contributor

Re: What's the most you ever charged to a credit card in one single swipe?

$2500 for a downpayment for a car. The dealer would only let me charge $2500/swip. Two swips two different days, PIF after each swip.


Starting Scores: EQ 598, EX 566, TU 550, 3/31/13 ....... Goal Score: 750
Current Scores: EQ 750, EX 745, TU 737 ..................... Inq: EQ: 2, EX: 4, TU: 6

Message 2 of 43
Established Contributor

Re: What's the most you ever charged to a credit card in one single swipe?

Charged $5000 on Amex PRG.  I had the cash but wanted the points.  I paid it as soon as it posted.  I remember Amex initially denied the charge and the merchant looked at me like I knew dam well the charge wouldn't go through. LOL.  I immediately called Amex and they simply wanted me to verify it was me and told me to ask the mechant try again. When it went through the merchant was shocked and started trying to sell me stuff I didn't need nor want.  I wanted to say kiss my arse so badly but I didn't.

In the garden as of March 17, 2017.

Amex PRG NPSL | Amex Hilton Surpass $6K l Aviator Red $3.5K | Best Buy $6K | Amazon $6K | Chase $5K | BBVA $6K | UFCU $10K | NFCU $15K
Message 3 of 43
Established Member

Re: What's the most you ever charged to a credit card in one single swipe?

Most i have every charged is $25K in one single transaction

Message 4 of 43
Established Contributor

Re: What's the most you ever charged to a credit card in one single swipe?

$3000 on my BCE for a down payment on my SUV I have. I wanted the cash back Smiley Happy






Message 5 of 43
Community Leader
Valued Contributor

Re: What's the most you ever charged to a credit card in one single swipe?

2 charges of $21-24k for preschool tuition a few years in a row. No problems with Amex.

$500k+ club. | FICO 08 [Nov 2017]: EQ 743 EX 741 TU 743 | World's worst gardener.
Message 6 of 43
Established Contributor

Re: What's the most you ever charged to a credit card in one single swipe?

$10,000.31 on my Ritz-Carlton 2 days after I activated. This did prompt a call from JPM the next day lol I think it was a CYA moment for them. As a "convenience" they send your card already activated in the mail, so if it falls into the wrong hands they are 100% on the hook for it.
AmEx l BoA l Chase l Citi l Discover l Fifth Third l FNBO l NFCU l PenFed l Synchrony l USAA l US Bank l 10/01/17 FICO EQ 759, EX 755, TU 783
Message 7 of 43
Established Contributor

Re: What's the most you ever charged to a credit card in one single swipe?


K-in-Boston wrote:
2 charges of $21-24k for preschool tuition a few years in a row. No problems with Amex.

i pay my son's tuition monthly, but if I had the option i would do at least yearly, if not longer. Love Amex!






Message 8 of 43
Valued Member

Re: What's the most you ever charged to a credit card in one single swipe?

I once charged 8800 for a Rolex for my ex wife on my platinum Amex pre bankruptcy and PIF right after just for the points.
Message 9 of 43
Regular Contributor

Re: What's the most you ever charged to a credit card in one single swipe?

About $3k on my PRG
Message 10 of 43