No preset spending limit part deux

[gen-specific]

with NPSL, can I basically just randomly make several high costing purchases, like, patent applications with a patent lawyer... have the CC company flag the transaction and I just say "go ahead and put that through"

**and then keep spending with the card** ?

protip: it was a really specific hypothetical example because that is exactly what I might do.

[takeshi74]

Not exactly.  If you're talking about AmEx you'll have an internal limit based on credit, spending patterns, etc.  You can test approvals on X amount on their site once you have the card.

[Burned2manybridgesB4]

...and using the card on a lawyer might make Amex pay "special" attention to you.

[rlx01]

AMEX isn't going to care about putting legal spend on your card. Why would they?

I'm not really sure what the question is though? You have an internal limit with AMEX. You can ask what it is, or just use the 'Will my charges be approved?' tool. The limit changes every day.

[enharu]

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@gen-specific wrote:

with NPSL, can I basically just randomly make several high costing purchases, like, patent applications with a patent lawyer... have the CC company flag the transaction and I just say "go ahead and put that through"

**and then keep spending with the card** ?

protip: it was a really specific hypothetical example because that is exactly what I might do.

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Are we talking about AMex or non-Amex cards?

For Amex cards: You have a CL that is constantly changing and the exact number isn't made known to you. As long as you do not hit the limit, all charges will keep going through with no issues.

For non-Amex cards, such as visa signature / WEMC / WMC NPSL: It depends on the lender. Some lenders may refuse to let any charge above your CL to go through, even though the card is technically NPSL. Some may let certain charges go through beyond your CL, which they will evaluate based on the amount and type of charge you're trying to put through. This will depend on the lender, the card you have, your internal score, credit profile, etc. You could call them and ask. Some lenders may be able to tell you. 

I went above my Citi TYP CL by about 10k and there weren't any issues. No one called me and I didn't have to call Citi either.