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From what I have gathered, AMEX has a pretty good sense of what each cardholder can handle. So, it may be that their internal notes on you give you max headroom up to the ceiling, whereas with me, they probably gave me one of those ultra-low, popcorn ceilings from the 60's.
I imagine that if your monthly spending is well within what they think you can handle, they probably won't bat an eye. May be different for the next guy. If I started spending $9K a month, they'd shut me down so fast my head would spin.
Maybe go ahead and pay now, part of it anyway?
Otherwise, I agree, they're probably OK with where you are. Although I sure wouldn't pay one day later on this one than you normally do.
My logic is simple. I pay on Sunday mornings for the charges I made the previous week. Maybe over kill but keeps things simple and the budget on track.
Ray
If you're paying as you go, I can't imagine they care one bit how much you're putting through the card. Or rather, they care and are extremely pleased.
+1
They love having their cards used AND paid off! This is exactly what they like to see with their charge cards, IMO.
Why is everyone so concerned with AMEX doing AA or FR on their accounts? As long as they are approving your transactions and you are paying them off when you are supposed to and not breeching your account agreement with them, then I don't see how there is anything to worry about?
I have never worried about my AMEX. I use it exclusively for gas and grocery purchases for the 2x points on the PR Gold card and have had no issue whatsoever.
well i had an issue with bofa in the past before i became an amex custre and i was in bestbuy and my card was declining for a 200 charge i called bofa and they closed my accounts because they said my balances had gotten too high with my outside creditors and they felt i was a hig risk....so reading alot of negativity about amex makes me kinda wary...thats the only reason why i dont think ill ever want a revolving credit product from them im happy with the charge card..cause u set your own limit and it helps you maintain financial responsibilty
@jj10939 wrote:Why is everyone so concerned with AMEX doing AA or FR on their accounts? As long as they are approving your transactions and you are paying them off when you are supposed to and not breeching your account agreement with them, then I don't see how there is anything to worry about?
I have never worried about my AMEX. I use it exclusively for gas and grocery purchases for the 2x points on the PR Gold card and have had no issue whatsoever.
+1
Your monthly spend is really based on a pattern. For example, as another poster mentioned, if they charged 9k Amex would probably give some kind of AA, whereas some people charge 50k or more/month and Amex doesnt bat an eye. It's all based on your profile with them. They're pretty flexible with what they'll let you do. For example, last November I charged about 2.5 times my normal amount on my card (xmas gifts and my down payment for my motorcycle) and no AA or anything.