Amex Check Your Spending Ability...Calling all guinea pigs

[jaysdad2k]

Has anybody seen this link on the Amex account website?

Select your card, enter the amount and it will tell you if it will be APPROVED.

I tried a couple of amounts that were approved, then I wimped out.

Who wants to be the guinea pig?

Apologies to all guinea pigs in the world.

[smallfry]

I would stop doing it actually. 

[fused]

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@smallfry wrote:

I would stop doing it actually. 

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Do you know something that we don't know?

[joestay]

I don't have the charge card but just a credit card.  When I clicked on "check your spending ability" a couple of time in one day, my status changed from "this transaction will be approved" to "this transaction will not be approved".   But after a while of not clicking on it, it changed back to normal. 

[smallfry]

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@fused wrote:

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@smallfry wrote:

I would stop doing it actually. 

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Do you know something that we don't know?

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Unless you have a charge card it is senseless. If you have a charge card and want to get a idea whether a charge would clear then that's fine. I wouldn't play with it like a kid with a car window though. They keep track of everything.

[tray]

I have the gold premier charge card, today went on line and saw a link check your spending ability, in which you could put a dollar amount in, I never seen this before, so I put the amount of $3,000.00 ? if I should have put a higher amount but it stated that spending limit would be approved.  Has anyone else tried this link.  It is much better than having to call Amex.

[Wolf3]

Does any other bank besides American Express offer this online feature for their charge or signature cards?

[Anonymous]

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@smallfry wrote:

 I wouldn't play with it like a kid with a car window though. They keep track of everything.

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Yea i agree. I did try it myself. I only put in $1000.

[Anonymous]

I used this a few days ago. I'd never seen it before and after putting in 10K it said that charge would be approved on my charge card. I've been with AMEX for several years with an excellent payment history though.

[scoppe]

It is the exact same program that the CCP uses when you call Customer Service to ask the question.

It does keep track of recent requests (think 3 days or so), so checking multiple times may get the "not approved" message based upon the TOTAL that was requested, not the individual request.

But, it is a nice tool to use and I'm not aware of anyone else who offers it.