Contributor
Posts: 86
Registered: ‎08-29-2012
Re: Amex hard limit reached.. Charge approved after how ??

Did Amex even send you an email about the large purchase?  Just last month, although it says I have NPSL, I got a call card issuer message for a $824 charge...my statement had just cut and although I had paid 1000 off my 3690 due I figured let me try and see if they would put that through...but when i called them the guy said let me see what I can do, he went on to say I see that you had an unusual spending pattern, i told him yes had some car troubles this month on both cars, he goes ok well i will approve the charge, just go back to the merchant and run the charge again..then asked when will i make a payment, told him the thursday i will pay 1700 and by the following monday pay the balance, way before the due date too and he said fine.  All this to say that maybe your account got reviewed and they decided to just let it go....be happy about it eh.

My Wallet: AMEX Gold NPSL, AMEX BCE 1K, Express 1350, Victoria Secret 2250, Macy's 2000, Kay's 7600, Capital One 1400, Capital One 4000, Quicksilver One 3500; Quicksilver 3000; QVC 3500, Walmart 6000, Pier 1 1250, Kohl's 1500, JCrew 1550, JCPenny 3600, Discover 1500, Lowes 12000, Amazon 2400

Lender Pull: 2/16/13 TU: 672 EX: 681 EQ: 671
Current Scores: 2/6/15: TU 696 EX: 679 EQ: 658
Goal Score: 700