@Brian_Earl_Spilner wrote:Just don't understand Amex sometimes.
Gold Charge, they won't allow me to make a single charge larger than my POT, which is $1750, but I can run up multiple charges beyond that amount. Highest balance so far before paydown is $2800. I typically move $3-4k a month and pif for the last 2 years across all of my amex cards. The only times I did not pif was when I was trying plan it and pot, but I still paid it off the next month. To add to the lolwut, the reason they're giving me is because I haven't had a charge that high yet. So, they won't let me charge $3000 in a single charge, because I haven't made a single $3000 charge. 🤦♂️
I'm planning to run it up until they either tell me to pay, or the due date. Curious how high I can take it.
I've never really had an issue putting large charges through on PRG/Gold card, but my POT limit is $35K... $8K went through no problem once.
Does your stated income you gave Amex show you can pay off larger transactions? I know Amex gets skittish when it comes to reported income vs. transactions on charge cards.
@Brian_Earl_Spilner wrote:
@NRB525 wrote:I remember you brought up this frustration earlier. It sounds like you are going to let the charges accumulate, let the statement print, then schedule a payment to pay the statement amount prior to that payment due date while you continue adding new charges in the new month. I think this is a good plan.
With the limits you have on your cards generally, do you have the cash resources to set up a larger secured credit card? State Department FCU secured credit card lets you deposit up to $5,000 to secure that credit limit. The $5,000 limit would report as your Credit Limit for this card, and telegraph info to your other banks that you have a higher limit.
There are no rewards on this card, but maybe making AMEX jealous is worth a try?Last time was a question whether it would be better to pay once a month or multiple times a month. The consensus was that it didn't matter because Amex looks at the overall spend. That's when I ended up running it to $2800 before caving and paying. I don't remember saying anything about an individual charge for high dollar amount being denied. Regardless, I have no FICOs to give at this point and I'm gonna rack it up until I'm told to pay or I get to the due date. My monthly spend on any of my amex have had no bearing on my individual charge limit, so I'm going to test that.
I have it, I just don't want to tie it up into a secured card. Also, who could I use besides Wells Fargo? I can't stand them.
For the secured card if you decided to go that route? State Department Federal Credit Union.
Not sure how Wells Fargo got into the conversation 
But mostly it sounds like you will be paying the statement balance when that balance is due?
@simplynoir wrote:
For someone who had issues just recently with AMEX about this you seem like the last person to talk about this subject
Elixerin has worked through the limitations imposed on an AMEX charge card, including direct contacts to and from AMEX, and being asked to "pay now to continue to use the card". I'd say that's quite relevant to this thread.
E also seems to have liked the advice to let time help build the relationship with AMEX. That's healthy growth.
@Brian_Earl_Spilner wrote:Just don't understand Amex sometimes.
Gold Charge, they won't allow me to make a single charge larger than my POT, which is $1750, but I can run up multiple charges beyond that amount. Highest balance so far before paydown is $2800. I typically move $3-4k a month and pif for the last 2 years across all of my amex cards. The only times I did not pif was when I was trying plan it and pot, but I still paid it off the next month. To add to the lolwut, the reason they're giving me is because I haven't had a charge that high yet. So, they won't let me charge $3000 in a single charge, because I haven't made a single $3000 charge. 🤦♂️
I'm planning to run it up until they either tell me to pay, or the due date. Curious how high I can take it.
They did the same thing to me one day,* which is why I closed the card.
I do not like having a charge declined.
I do not like having to guess about what my limit is.
* I didn't actually know or care what my pay-over-time limit was, but they declined a $3k charge because I had never up to that point spent that much on the card.
Reported income is 70k and accurate. Wife's paycheck is not deposited in my account, but I have access and would add another 45k
@NRB525 wrote:
@Brian_Earl_Spilner wrote:
@NRB525 wrote:I remember you brought up this frustration earlier. It sounds like you are going to let the charges accumulate, let the statement print, then schedule a payment to pay the statement amount prior to that payment due date while you continue adding new charges in the new month. I think this is a good plan.
With the limits you have on your cards generally, do you have the cash resources to set up a larger secured credit card? State Department FCU secured credit card lets you deposit up to $5,000 to secure that credit limit. The $5,000 limit would report as your Credit Limit for this card, and telegraph info to your other banks that you have a higher limit.
There are no rewards on this card, but maybe making AMEX jealous is worth a try?Last time was a question whether it would be better to pay once a month or multiple times a month. The consensus was that it didn't matter because Amex looks at the overall spend. That's when I ended up running it to $2800 before caving and paying. I don't remember saying anything about an individual charge for high dollar amount being denied. Regardless, I have no FICOs to give at this point and I'm gonna rack it up until I'm told to pay or I get to the due date. My monthly spend on any of my amex have had no bearing on my individual charge limit, so I'm going to test that.
I have it, I just don't want to tie it up into a secured card. Also, who could I use besides Wells Fargo? I can't stand them.
For the secured card if you decided to go that route? State Department Federal Credit Union.
Not sure how Wells Fargo got into the conversation
But mostly it sounds like you will be paying the statement balance when that balance is due?
Wells Fargo is the only lender that I know of that would let me open a $5k secured card.
I have more than enough in any of my accounts and they could call them to verify.
Amex cut me off at $3600. Was a $1600 charge at Best buy with a $2000 balance. Reason given was they havent seen that high a spend before. Paid balance and made the charge.
@Brian_Earl_Spilner wrote:
@NRB525 wrote:
@Brian_Earl_Spilner wrote:
@NRB525 wrote:I remember you brought up this frustration earlier. It sounds like you are going to let the charges accumulate, let the statement print, then schedule a payment to pay the statement amount prior to that payment due date while you continue adding new charges in the new month. I think this is a good plan.
With the limits you have on your cards generally, do you have the cash resources to set up a larger secured credit card? State Department FCU secured credit card lets you deposit up to $5,000 to secure that credit limit. The $5,000 limit would report as your Credit Limit for this card, and telegraph info to your other banks that you have a higher limit.
There are no rewards on this card, but maybe making AMEX jealous is worth a try?Last time was a question whether it would be better to pay once a month or multiple times a month. The consensus was that it didn't matter because Amex looks at the overall spend. That's when I ended up running it to $2800 before caving and paying. I don't remember saying anything about an individual charge for high dollar amount being denied. Regardless, I have no FICOs to give at this point and I'm gonna rack it up until I'm told to pay or I get to the due date. My monthly spend on any of my amex have had no bearing on my individual charge limit, so I'm going to test that.
I have it, I just don't want to tie it up into a secured card. Also, who could I use besides Wells Fargo? I can't stand them.
For the secured card if you decided to go that route? State Department Federal Credit Union.
Not sure how Wells Fargo got into the conversation
But mostly it sounds like you will be paying the statement balance when that balance is due?
Wells Fargo is the only lender that I know of that would let me open a $5k secured card.
I have more than enough in any of my accounts and they could call them to verify.
SDFCU once told me they'd let someone open a secured card with a $100,000 limit if they had the cash 😂
@Brian_Earl_Spilner wrote:Amex cut me off at $3600. Was a $1600 charge at Best buy with a $2000 balance. Reason given was they havent seen that high a spend before. Paid balance and made the charge.
Have you tried the Allow Access to Financial Accounts option?
