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Sorry to hear it Peas. That sounds very frustrating.
Do you normally PIF your card entirely at the statement date? I normally pay mine when the balance gets over $200 or so. Multiple times a week as to make them not get nervous.
Did you ever try that? Or was it soley when payment was due?
I've made multiple payments, and then other months I just PIF -- always WAY before the due date.
I'm starting to think that dealing w/ Amex is about like trying to get pregnant -- all about timing and even then it's never a sure thing.
(And for the record I'm NOT trying to spawn.)
Our Business Charge card is over 2 years old and last month was shocked to be cut off at 8k and was asked when I planned on paying the balance even though the statement had not cut yet. I was told 8k was my 6 month average so even though last month I charged 12k this month 8k was all that was allowed.
So today I called asking about renewal card, then decided to let them know about my travel next week and stated that I would like to charge at least 10k, but plan on paying current balance before I leave...will this be a problem? I guess she did a test charge and comes back and says 10k goes through with no problems and that is with current balance (4k) = 14k... WTF why couldn't I clear 8k last month but this month 14k+ is fine.
I have to say I have NEVER been declined at point of sale but they are a little finicky these days with that they will really allow you, my recommendation is just to keep checking in with them when things are going to be any different from normal and then you will have no surprises.
WhirledPeasPlease wrote:I've made multiple payments, and then other months I just PIF -- always WAY before the due date.
I'm starting to think that dealing w/ Amex is about like trying to get pregnant -- all about timing and even then it's never a sure thing.
(And for the record I'm NOT trying to spawn.)
If you'll forgive me.....but,...... all these seem to be horror stories! In my opinion Amex's behaviour is 'Arbitrary and Capricious' and leaves much, much....yes very much to be desired.
Who needs them! There are plenty of other lenders out there begging for good responsible users.
Amex, we know you're sick, but please get better soon, 'cause we are getting sick and tired of your fanatical head games.
@Red1Blue wrote:From what I see they closely monitor the spending / payment patterns. On all my accounts I usally PIF every time I see a balance on my accounts. That is almost twice a day I make the payments on my accounts and keep the balance near zero most of the time. I use BOA bill pay and it does not cost me any thing to make the payments, all I do is click the button and payment is made. This approach keeps my balances very low all the time. One day or other we have to pay, in my case I pay it off as and when there is balance on my account.
Cheer up Peas, pay off the balance and slowly increase the spending or make the payments more often on the card instead of waiting for the statment to cut with large balance. That reduces the nervousness to any creditors especially Amex.
Are you really saying that you use your BOA account to pay your AMEX up to two times a day??? That both amazes and confuses me. Why would anyone want a card from a company that caused them so much angst and required so much work to keep happy??
Irecently apped and received 3 new cards...trust me, known of them was AMEX.
Peas,
may I ask where you live?
@Creditaddict wrote:I have to say I have NEVER been declined at point of sale but they are a little finicky these days with that they will really allow you, my recommendation is just to keep checking in with them when things are going to be any different from normal and then you will have no surprises.
The first month or so I had my charge card I was nickel and diming on it here and there. Not on purpose, that's just how it worked out. Then I went into TMobile to get a new cell phone. The cost was $176. The TMobile CSR told me when they ran my card, it gave a toll free number. The TMobile CSR called it and was giving store and purchase info, which didn't seem too weird at the time. Then I hear the TMobile CSR say something like, "Okay, I'll check". She then requested my driver's license. She repeated my name, address, and DL number on the phone to Amex. Then she hung up, and the purchase went through.
After all that, I asked something like "Do you guys not have many Amex cards come through here or something?", and the TMobile CSR replied "All the time...". I called Amex when I got home, and they said the purchase was outside of my spending patterns, but that it wasn't a problem, but next time, could I please call in ahead of time.
Sorry for the TJ.