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Amex PRG - Spending power

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PandiferBear
Frequent Contributor

Amex PRG - Spending power

Okay. Once again here with a perhaps silly question.  I recently got my PRG.  I am wanting to get the sign-up bonus (obviously).  But, I do not want to have my card declined.  I have read that checking your spending limit can send up flags.  I just want to know what they are comfortable with me spending in the next month (maybe $1500?).  If I put a lower amount like that in just to see, will it be okay?  I know that NPSL can vary over time, but I would be more comfortable just knowing......something.  This is my first NPSL and I am trying to get acclimated.  Any advise is very welcome.  Smiley Happy  Thanks in advance. 

EX 847 TU 837 EQ 832 Goal: Back to 850 across the board
Venture: $40, 000 | Amex Everyday: $35,000 | BOA Custom Cash: $28,700
Message 1 of 8
7 REPLIES 7
navajomyst2003
Frequent Contributor

Re: Amex PRG - Spending power

I used to play with that button just to see if the card was cleared for something like a $28,000 purchase (and it was), until I read about the red flag potential. I think if you put in an amount that is a reasonable estimated spend, then it shouldn't be an issue. You can always ask them through chat.


In my wallet: Cap1 Venture ($58k), Amex PRG (NPSL), Amex HH ($4K), Barclays Ring MC ($10K), Chase Sapphire Preferred ($22K), Chase SWA Visa Preferred ($7.5K), Chase United Mileage Explorer VS ($20k), Chase Marriott Rewards VS ($12K), BOA BBR MC ($41K), BOA Visa Sig Cash Rewards ($30K), Chase Ritz VS (9K), NFCU Flagship Visa ($55K), Discover It ($6K), Citi AA ($20K). Everything else in SD.

FICO goal: 800+ (as of 3-6-15: EQ FICO 774,,TU FICO 808, EX FICO 775)
Message 2 of 8
PandiferBear
Frequent Contributor

Re: Amex PRG - Spending power


@navajomyst2003 wrote:

I used to play with that button just to see if the card was cleared for something like a $28,000 purchase (and it was), until I read about the red flag potential. I think if you put in an amount that is a reasonable estimated spend, then it shouldn't be an issue. You can always ask them through chat.


Thanks for the input.  That makes me feel a bit better about my $1500!  Smiley Very Happy  I bet it is not unusual for someone to just try it, especially when they are first setting up their online account.  I would have checked it out normally, except for what I have read about it here. 

EX 847 TU 837 EQ 832 Goal: Back to 850 across the board
Venture: $40, 000 | Amex Everyday: $35,000 | BOA Custom Cash: $28,700
Message 3 of 8
jamesdwi
Valued Contributor

Re: Amex PRG - Spending power


@PandiferBear wrote:

Okay. Once again here with a perhaps silly question.  I recently got my PRG.  I am wanting to get the sign-up bonus (obviously).  But, I do not want to have my card declined.  I have read that checking your spending limit can send up flags.  I just want to know what they are comfortable with me spending in the next month (maybe $1500?).  If I put a lower amount like that in just to see, will it be okay?  I know that NPSL can vary over time, but I would be more comfortable just knowing......something.  This is my first NPSL and I am trying to get acclimated.  Any advise is very welcome.  Smiley Happy  Thanks in advance. 


try the test your spending button, with  the amount of your bills plus 50%, or just your monthly gross income, it should be approved, then you can relax. Just a hint if you do try an insane number in the test your spend button, don't use the card for a few days,  make it a small purchase when you do. I like to use the button, just a few minutes before I PIF, so they know I'm not going to go spend crazy and ask for even more than I allready have. 

 

 

Just a note I haven't used the Amex Zync card for more than myfico subscription ($15) in months did a test spend test and was approved for $15k.  more than my reported monthly income by far. 

 

 

 

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k
Message 4 of 8
PandiferBear
Frequent Contributor

Re: Amex PRG - Spending power

Thanks for the advice.  I checked for the $1500, and I am good.  I will not be needing the card for more than that in any given billing cycle anytime soon, so that is great to know. 

EX 847 TU 837 EQ 832 Goal: Back to 850 across the board
Venture: $40, 000 | Amex Everyday: $35,000 | BOA Custom Cash: $28,700
Message 5 of 8
Stralem
Established Contributor

Re: Amex PRG - Spending power


@PandiferBear wrote:

Okay. Once again here with a perhaps silly question.  I recently got my PRG.  I am wanting to get the sign-up bonus (obviously).  But, I do not want to have my card declined.  I have read that checking your spending limit can send up flags.


There are a lot of myths, half-truths, and flatout FUD surrounding Amex on these forums, and this is one of them.

 

Think about it: What would be the purpose of punishing customers for inquiring about their actual spending limits? How does that even begin to make sense?


@PandiferBear wrote:

If I put a lower amount like that in just to see, will it be okay?


You could put in a gorillion dollars and you'd be fine. Case in point:

 

LOLNOPE.PNG


@PandiferBear wrote:

This is my first NPSL and I am trying to get acclimated.  Any advise is very welcome.  Smiley Happy  Thanks in advance. 


Think of it like a really, really expensive debit card and you'll be fine.

 

I Have Way Too Many of These.

American Express - No CLI or Appreciation Gift in 7 Years

Citibank - Handing Out Credit Limits Like Candy

Chase - Surprisingly, Still Tolerating My Credit-Chasing Ways

Bank of America - My Newest Bae.

Everyone Else.
Message 6 of 8
PandiferBear
Frequent Contributor

Re: Amex PRG - Spending power

Smiley Very HappySmiley Very HappySmiley Very Happy

 

Yeah, I think I will lay off asking for millions right now. 

EX 847 TU 837 EQ 832 Goal: Back to 850 across the board
Venture: $40, 000 | Amex Everyday: $35,000 | BOA Custom Cash: $28,700
Message 7 of 8
MT936
Established Contributor

Re: Amex PRG - Spending power

If it is your first card with Amex and you have had no prior relationship with them I would take it easy first couple months
Amex Blue Cash Everyday: $25,000 | Navy FCU Cash Rewards: $25,000 | Discover It: $20,500
Chase Freedom: $12,500 | Citi Double Cash: $10,000 | Bank of America Cash Rewards: $8,000

Message 8 of 8
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