topic Re: Amex NOT Approving my charges now in Credit Cards

Amex NOT Approving my charges now

newUser0 — Sun, 29 Jun 2014 00:14:12 GMT

I got a Blue Cash Amex Card since like 3-4 months before. It has a CL of $1000.

Usually, I used to charge like 4-5K Permonth on this card and PIF.

But something unusual happened today. My current Balance on this card is $500 and I tried to make a $1000 charge today and it was declined.

I used my other card and came.

For the first time, I checked my Spending Ability on this card, and it said that $1000 Will NOT BE APPROVED This time. This is the first time they have declined my transaction. Never ever before. I charged like 4-5K in this card, and none were declined. My Delta Gold has a limit of $18K, checked spending ability for $25K on this card and it WAS APPROVED.

Also, I checked $30K on my PRG Card, it was TOO APPROVED. It's strange that they are restricting me from going over the limit on this card.

Also, they are NOT even allowing to make 4K payment in Advance, it says, payment cannot be made this time.

Why this change all of a sudden?

Re: Amex NOT Approving my charges now

SamsungHDTV — Sun, 29 Jun 2014 00:20:38 GMT

Guess AMEX can change their minds on letting you go over. You should contact them and ask what's the deal.

Re: Amex NOT Approving my charges now

manyquestions — Sun, 29 Jun 2014 00:27:56 GMT

Call them. I had something like that happen and I called in to ask if there was something wrong with my account and they just wanted to verify that I was the one that had been making purchases on the card. Something about the usage pattern. It's not a FR because that affects all your cards at the same time and also shows up visually when you log into your account.

Re: Amex NOT Approving my charges now

newUser0 — Sun, 29 Jun 2014 00:31:58 GMT

@SamsungHDTV wrote:
Guess AMEX can change their minds on letting you go over. You should contact them and ask what's the deal.

@manyquestions wrote:
Call them. I had something like that happen and I called in to ask if there was something wrong with my account and they just wanted to verify that I was the one that had been making purchases on the card. Something about the usage pattern. It's not a FR because that affects all your cards at the same time and also shows up visually when you log into your account.

Even I thought I got an FR. But, I just now checked all my online accounts and no intimation of any FR messages. I just pushed Amex cards with more spending than last months, (other amex cards) so this may have trigerred it. If it was a fraud alert, I should be getting a Message right?

Re: Amex NOT Approving my charges now

BarryNTexas — Sun, 29 Jun 2014 00:44:15 GMT

I think the best thing to do is call them as suggested earlier. They have a great customer service reputation and since you carry three cards with them, why not put your mind at ease and call them immediately? Take control of the situation as you are their customer, not the other way around. Good luck.

Re: Amex NOT Approving my charges now

manyquestions — Sun, 29 Jun 2014 00:44:15 GMT

I didn't get a fraud alert on mine. It just quit working. I have my phone set up to get texts and everything. No message at all. Just quit working. That's why I mentioned it. Go out and try to use it for something that costs less than $10. I did that and it didn't work so that is when I called and the phone person asked me a bunch of identity questions and that was it.

Re: Amex NOT Approving my charges now

newUser0 — Sun, 29 Jun 2014 00:53:53 GMT

Oh!!

I just did a 2.90 Transaction (online) it went through fine.

It looks like, they are NOT Allowing me to go over my limit on THIS card.

Re: Amex NOT Approving my charges now

manyquestions — Sun, 29 Jun 2014 00:59:29 GMT

@newUser0 wrote:
Oh!!
I just did a 2.90 Transaction (online) it went through fine.
It looks like, they are NOT Allowing me to go over my limit on THIS card.

Sounds like that is it. I'd still call them and ask what's up. I don't see any downside to calling to verify that they are now enforcing a hard limit. Ask them if there is anything you can do about it to reagain what you had before.

Re: Amex NOT Approving my charges now

TheFate — Sun, 29 Jun 2014 01:04:39 GMT

Wow some of you guys here sure spend a lot of money .

I second on calling them to ask what the deal is

Re: Amex NOT Approving my charges now

newUser0 — Sun, 29 Jun 2014 01:06:53 GMT

@manyquestions wrote:
@newUser0 wrote:
Oh!!
I just did a 2.90 Transaction (online) it went through fine.
It looks like, they are NOT Allowing me to go over my limit on THIS card.
Sounds like that is it. I'd still call them and ask what's up. I don't see any downside to calling to verify that they are now enforcing a hard limit. Ask them if there is anything you can do about it to reagain what you had before.

The problem is I really don't know what to ask them when I call.

They are right in a way. Means, I have $500 balance $1K limit. So, if I charge $1K more, it will be over my CL by $500 and they have right to decline this.

You think, if I can call and say that you were approving me before and why have you been declining now ? Makes any thing useful to me?

Re: Amex NOT Approving my charges now

heyarrnold — Sun, 29 Jun 2014 01:09:46 GMT

@newUser0 wrote:
@manyquestions wrote:
@newUser0 wrote:
Oh!!
I just did a 2.90 Transaction (online) it went through fine.
It looks like, they are NOT Allowing me to go over my limit on THIS card.
Sounds like that is it. I'd still call them and ask what's up. I don't see any downside to calling to verify that they are now enforcing a hard limit. Ask them if there is anything you can do about it to reagain what you had before.
The problem is I really don't know what to ask them when I call.
They are right in a way. Means, I have $500 balance $1K limit. So, if I charge $1K more, it will be over my CL by $500 and they have right to decline this.
You think, if I can call and say that you were approving me before and why have you been declining now ? Makes any thing useful to me?

They do have the right to decline your card. If your limit is 1k, and you're going over that limit, they can decline or approve the transaction as they see fit.

Re: Amex NOT Approving my charges now

Anonymous — Sun, 29 Jun 2014 01:59:12 GMT

If this is a card you are MSing on, obviously don't call.

Re: Amex NOT Approving my charges now

red259 — Sun, 29 Jun 2014 02:04:40 GMT

I wouldn't be calling in about a card that you keep going over the limit on. You have a credit limit. if you need to spend more on that card see about getting a CLI or moving credit from other accounts if they are elgible. And if your MSing with the card the last thing you should be doing is calling in and drawing attention to yourself.

Re: Amex NOT Approving my charges now

newUser0 — Sun, 29 Jun 2014 02:15:13 GMT

@Anonymous wrote:
If this is a card you are MSing on, obviously don't call.

Yup!

This is the main Problem.

I don't want to draw attention to this.

Re: Amex NOT Approving my charges now

newUser0 — Sun, 29 Jun 2014 02:17:31 GMT

@red259 wrote:
I wouldn't be calling in about a card that you keep going over the limit on. You have a credit limit. if you need to spend more on that card see about getting a CLI or moving credit from other accounts if they are elgible. And if your MSing with the card the last thing you should be doing is calling in and drawing attention to yourself.

I applied for Delta and they gave me $6K and 3x CLI to 18K.

PRG too has a good limit I guess.

Not sure, if they purposefully gave less limit on BC.

I hardly use the other two cards.

Does any one knows if Amex moves CL before 12 months?

Re: Amex NOT Approving my charges now

myjourney — Sun, 29 Jun 2014 02:20:42 GMT

@newUser0 wrote:
@red259 wrote:
I wouldn't be calling in about a card that you keep going over the limit on. You have a credit limit. if you need to spend more on that card see about getting a CLI or moving credit from other accounts if they are elgible. And if your MSing with the card the last thing you should be doing is calling in and drawing attention to yourself.
I applied for Delta and they gave me $6K and 3x CLI to 18K.
PRG too has a good limit I guess.
Not sure, if they purposefully gave less limit on BC.
I hardly use the other two cards.
Does any one knows if Amex moves CL before 12 months?

Its a YMMV but typically 13 months for Amex to move limits around

Re: Amex NOT Approving my charges now

newUser0 — Sun, 29 Jun 2014 02:27:39 GMT

Oh then guess, I need to wait 6 months for my next CLI then.

Re: Amex NOT Approving my charges now

SisterGirl — Sun, 29 Jun 2014 03:14:05 GMT

@newUser0 wrote:
@Anonymous wrote:
If this is a card you are MSing on, obviously don't call.
Yup!
This is the main Problem.
I don't want to draw attention to this.

Not to sound cruel, but you keep pushing the preset limit ? I'm surprised that you don't understand that you've outlasted your luck. In all my years with Amex, I've never had a single charge decline and if I was going to make a "questionable" charge, I called to speak with account services for the heads up. As for MSing, I sure hope you aren't paying them back with the same product you charged. BTW, I read FT too.....so I know the 411.

SisterGirl

Re: Amex NOT Approving my charges now

Anonymous — Sun, 29 Jun 2014 04:39:20 GMT

@SisterGirl wrote:
@newUser0 wrote:
@Anonymous wrote:
If this is a card you are MSing on, obviously don't call.
Yup!
This is the main Problem.
I don't want to draw attention to this.
Not to sound cruel, but you keep pushing the preset limit ? I'm surprised that you don't understand that you've outlasted your luck. In all my years with Amex, I've never had a single charge decline and if I was going to make a "questionable" charge, I called to speak with account services for the heads up. As for MSing, I sure hope you aren't paying them back with the same product you charged. BTW, I read FT too.....so I know the 411.

SisterGirl

I don't think that there is any way that can be done directly! And indirectly, no problems have been reported, thought the risk is obviously there.

Re: Amex NOT Approving my charges now

Fico2Go — Sun, 29 Jun 2014 04:45:26 GMT

@Anonymous wrote:
@SisterGirl wrote:
@newUser0 wrote:
@Anonymous wrote:
If this is a card you are MSing on, obviously don't call.
Yup!
This is the main Problem.
I don't want to draw attention to this.
Not to sound cruel, but you keep pushing the preset limit ? I'm surprised that you don't understand that you've outlasted your luck. In all my years with Amex, I've never had a single charge decline and if I was going to make a "questionable" charge, I called to speak with account services for the heads up. As for MSing, I sure hope you aren't paying them back with the same product you charged. BTW, I read FT too.....so I know the 411.

SisterGirl
I don't think that there is any way that can be done directly! And indirectly, no problems have been reported, thought the risk is obviously there.

Let's just say that I would NEVER "SERVE" one to the hands that "SERVE" me.