topic Re: AMEX Check Spending Ability in Credit Cards

AMEX Check Spending Ability

Anonymous — Sat, 08 Nov 2014 02:46:05 GMT

I have been toying with the AMEX check spending availability tool. So much in fact that I just got locked out... I just opened a BRG card so I wanted to see how much I could charge without the embarrassment of a potential decline. Then I checked my Everyday and it said I could spend double my CL on the card. If AMEX would let me spend double my CL, it seems as though they would have offered a higher initial CL. Just seems strange, anyone else play with this tool on their accounts?

Re: AMEX Check Spending Ability

youdontkillmoney — Sat, 08 Nov 2014 02:55:59 GMT

@Anonymous wrote:
I have been toying with the AMEX check spending availability tool. So much in fact that I just got locked out... I just opened a BRG card so I wanted to see how much I could charge without the embarrassment of a potential decline. Then I checked my Everyday and it said I could spend double my CL on the card. If AMEX would let me spend double my CL, it seems as though they would have offered a higher initial CL. Just seems strange, anyone else play with this tool on their accounts?

^^^^^

I checked my spending ability this a.m. and it's $100,000

I have a AMEX platinum card , no preset limit

Re: AMEX Check Spending Ability

Luscher — Sat, 08 Nov 2014 02:56:57 GMT

Don't check it too much or your account will get flagged, you getting locked out is a sign to stop.

Re: AMEX Check Spending Ability

Anonymous — Sat, 08 Nov 2014 02:57:02 GMT

@Anonymous wrote:
I have been toying with the AMEX check spending availability tool. So much in fact that I just got locked out... I just opened a BRG card so I wanted to see how much I could charge without the embarrassment of a potential decline. Then I checked my Everyday and it said I could spend double my CL on the card. If AMEX would let me spend double my CL, it seems as though they would have offered a higher initial CL. Just seems strange, anyone else play with this tool on their accounts?

The Amex cards are like Signatures/World MC, in that they can approve charges above the CL, depending on their view of the account at the time. You will notice various wording that the tool does not guarantee that the charge will be accepted etc. But they do lock you out if you use it too much (and then it resets by the next day)

Re: AMEX Check Spending Ability

Anonymous — Sat, 08 Nov 2014 03:05:02 GMT

Thanks for the input everyone. I realized that I probably shouldn't toy with it too much when it locked me out. It said something about preventing fraud which made me think that now I will be getting frozen haha. If I am ever in a bind and need to purchase a Cessna in a snap I wouldn't use my AMEX anyhow. My Diners Club will do the heavy lifting if need be. I just like knowing what's out there.

Re: AMEX Check Spending Ability

Anonymous — Sat, 08 Nov 2014 03:01:55 GMT

@Anonymous wrote:
I have been toying with the AMEX check spending availability tool. So much in fact that I just got locked out... I just opened a BRG card so I wanted to see how much I could charge without the embarrassment of a potential decline. Then I checked my Everyday and it said I could spend double my CL on the card. If AMEX would let me spend double my CL, it seems as though they would have offered a higher initial CL. Just seems strange, anyone else play with this tool on their accounts?

BRG, Is that a new one?

Re: AMEX Check Spending Ability

Anonymous — Sat, 08 Nov 2014 03:02:59 GMT

Nixon, its Business Rewards Gold

Re: AMEX Check Spending Ability

Anonymous — Sat, 08 Nov 2014 03:12:25 GMT

@Anonymous wrote:
Nixon, its Business Rewards Gold

Ah. Well silly me for not looking before mistaking your B for a typo

My CSA button gives out at $9,000 on my PRG, $3,000 on my ED, and $21,000 on my BSP as of 5 minutes ago.

Re: AMEX Check Spending Ability

Anonymous — Sat, 08 Nov 2014 03:17:05 GMT

Nixon, no worries on not knowing about the BRG. I didn't know about it until I checked the Business section of AMEX and noticed they had a pre-qualifier tool. Entered my company information and eureka there is a new AMEX I had not seen previously. Had to have it.

See the CSA tool is tons of fun!

Re: AMEX Check Spending Ability

ojefferyo — Sat, 08 Nov 2014 18:20:02 GMT

I would only check when I'm ready to make a large purchase and to make sure it would go through

Re: AMEX Check Spending Ability

Anonymous — Mon, 10 Nov 2014 05:02:14 GMT

@ojefferyo wrote:
I would only check when I'm ready to make a large purchase and to make sure it would go through

All personal preference. I like to check my standing with AMEX every so often...Even though every time I go into chat w/them they remark on my excellent relationship with them with lots of "(smile)s"

Re: AMEX Check Spending Ability

Anonymous — Thu, 12 Mar 2015 13:36:18 GMT

I just got approved and decided to play arond with the Check Spending Ability and it locked me out after 2 checks. Of course the amounts it choked on were $1000 and $500. Sounds like it going to be next to impossible to meet that $1000 min spend very fast. I sure hope i dont get deneid when i try to buy lunch,. I was hoping to put a couple hotel nights on the card but i guess not yet

Re: AMEX Check Spending Ability

Anonymous — Fri, 13 Mar 2015 03:36:48 GMT

Lol you say Cessna like you are buying a bike...do ypu gly solo? What kind of Cessna? A prop or a jet?

Re: AMEX Check Spending Ability

Anonymous — Fri, 13 Mar 2015 03:37:58 GMT

Lol you say Cessna like you are buying a bike...do you fly solo? What kind of Cessna? A prop or a jet?