AMEX - "Will my charges be approved?" link

[cashnocredit]

I think all Amex cards are NPSL to some degree. There have been many reports of people exceeding CLs without a problem. I'm not aware of a formal position.

[mountainmom]

I tried 5000 today and it said approved. Hopefully they will feel the same way when at 61 days lol. May try a higher amount later in the week. Dont want to lock it.

[jgodfrey82]

I had to chime in on this one.. I've had my zync with NPSL since 2010.. I run about 3-5K a month of expenses through it.  Ive sat and played with the tool and never been locked out.  Also ive successfully been able to "approve" 35k+ requests.

Ive never tried to really make any purchase over around 2k, but it sure is cool to see I could go buy a new jetski or two if I wanted.

At the same time, my costco amex is stuck at a 6k limit, just denied for a CLI last week. . Gotta get my util down a little and try again.

Can anyone tell me how this NPSL card works with my util %? If im trying to boost scores,  should I let it go to 0 for a month?  Obviously I always PIF on the due date, should I pay it earlier than its due?

[09Lexie]

@jgodfrey82

Your Zync card will not factor into your util at all. If your util is high on your other rev cc's then your chances of getting a CLI on your TE are slim.

[mscsinc]

I have 5 cards with AMEX between pers and bus. Just got a second Bus. Gold and before I even used it once I tried the button for 35k. It said approved. The most I spent with my first gold was maybe 6-7k a month but that was last year. since then, I never went over 2k any given month. I also have limits of 18k on BCP, 8k on Simply cash and 8.1k on a 3 weeks old Lowes Amex.
I guess your history with them plays a big role in this....