One Time Large Charge 25K AMEX or CSP?

[Anonymous]

If it's a business expense, put it on your business card. As others have said, call AmEx first. I did something similar with my AmEx Platinum (5 figure charge within weeks of getting approved) and the charge went through just fine, no FR.

[clocktick]

I'd go for the one that gives the most rewards that benefit me.  With either card, I would call ahead of time though.  If you want, maybe you can split it 50/50 or some other way.

[Anonymous]

Thank you all for the fantastic and quick responss. I guess splitting it never crossed my mind that's a great idea! I will call both let them know, split the charage and report back here how if goes. Thanks again. 

[newUser0]

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@09Lexie wrote:

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@DavidZeng wrote:

Some member reported got fraud alert with first AMEX purcahse at &500ish, amex called him immediately.

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Must have been an anomaly- they never call me

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+1 to Lexie

I got a new PRG card, activated, with in few minutes I charged 2.5K No call ..

[Anonymous]

It honestly depends on whether you have established a spending pattern with that lender.

If you have not, then chances are they will be calling you for large purchases. If spending xxxx amount is within your normal spending pattern, then they won't bother you.

Same logic for locations where purchases are made.

[youngandcreditwrthy]

Amex always calls me when I travel, even when I call them in advance. One time my BCE got denied while shopping in NYC, and my Delta Gold worked... but they had me answer all kinds of questions and were BLOWING up my phone with Fraud Alert Texts and phone calls! They were on that s****!

Anyhow, you aren't supposed to really put business expenses on a personal card or vice versa... at least I don't think you are.. I'd say just charge on Amex and PIF, I'm certain Amex will like it's merch fees HAHA I'd just pay it like within a few days if possible.

[Omnipotent]

You can push the payment first and then make the purchase with your Amex. 

[Networth]

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@Omnipotent wrote:

You can push the payment first and then make the purchase with your Amex. 

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Be careful doing this, they do not like it. 

[Creditaddict]

Just put it on Amex, if you got an opening $25k line and want to build that relationship then putting that charge on it and then paying next month puts you in FAB position for your 3x cli at 61 days!!!

[Creditaddict]

But since it is 1 purchase and you know the vendor call and they will notate it so it will be gravy for you to do it