Calling Amex before purchase

[smc733]

So here's the deal, last year's income was a 4th of what I make, but i listed that since that's what I had to verify via 4506..

Anyway, $5,700 income, my address is in NJ, but I live/go to college in Boston, MA.  Will a $150 dinner charge potentially get declined?  Should I call them beforehand?

[addicted_to_credit]

I doubt it but you never really know with Amex you can always try the test charge by checking your spending ability

[smc733]

I just tested it for $500, approved.  Did $200 two days ago no problem there either.  Do you think they weigh the credit lines I have when assigning my soft-limit?

[n777ua]

Don't play with that "will my charge be approved" link too much; it can cause major issues. Trust me.

[UFGuy2006]

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@n777ua wrote:
Don't play with that "will my charge be approved" link too much; it can cause major issues. Trust me.

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+100!

[RockinRay]

I would not bother to call them, personally. I do not suspect you would have a problem unless this is something that is not your "normal spending pattern". That might raise some eyebrows but if you are looking at $150 max - do not worry.

Ray

[Anonymous]

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@n777ua wrote:
Don't play with that "will my charge be approved" link too much; it can cause major issues. Trust me.

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Yeah, I'm afraid to go near it. I used it ONCE before using my card for the very first time, just to make sure that everything was activated properly and I was good to go. I tested it for $200 that one time and I haven't been near it since.

[Anonymous]

This button appears on my Delta card. Being a credit card and having no charge card with Amex I wondered why this button was there. Credit cards usually let you go to there limit. I then thought maybe its for going over the limit and typed an amount $1 over. It said if it was denied but if I linked a bank account it would be approved. This is something I find very weird and wont think of going over my limit but just thought id let you guys know.

[smc733]

I will only use that feature once in a while when I really want to make sure a charge will go through.

Anyway, the bill ended up being $60, and the charge went through just fine!

[Anonymous]

Back when I was in college, I had listed my income as $8g when I got my AMX Blue Cash.  I never wanted to list my parents income as a supplement.

Anyway, in my junior year of college, I bought a $1500 macbook, and the charge went through, no problem. I paid in full within 24 hours, but there were no issues at the mac store.