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Question about Amex Everyday and Lasik

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Valued Member

Question about Amex Everyday and Lasik

Friends, 

This month I got an Amex Everyday Card. My Credit Limit is $5,000

On Tuesday, I'm having LASIK and it costs $3661.80.

Amex says (via their online live chat) that this charge will be approved. 

I plan to pay the card in full on the same day (I have cash in the bank for the procedure). 

I still feel a bit squeamish about it being approved (even with their reassurance), should I bring cash just in case? 

Thoughts? 

P

 

Message 1 of 19
18 REPLIES 18
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Community Leader
Super Contributor

Re: Question about Amex Everyday and Lasik

If you have the available limit to make the charge and you already spoke to AMEX about it to boot you're good to go. If it makes you feel more comfortable to bring cash as a precaution that's fine but I don't think it's necessary.

Message 2 of 19
Community Leader
Mega Contributor

Re: Question about Amex Everyday and Lasik

Good to go, best thing you did is let Amex know in advance of a huge purchase. This way they know it isnt fraud. Leave your cash in bank. If the charge doesnt go through you can always go to bank .
Message 3 of 19
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Community Leader
Senior Contributor

Re: Question about Amex Everyday and Lasik

You should be good to go. Smiley Happy

Message 4 of 19
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Valued Contributor

Re: Question about Amex Everyday and Lasik

You're all good.

 

My only advice is to make sure the clinic/office accepts AMEX.

 

Went to the theater last week, handed the card to the clerk to pay for snacks; made a joke & quoted the old VISA slogan: "And they don't take American Express"

To my great surprise he said "that's right, we don't"   Eeeks.. My funny went sour.. I had many alternate cards but I was a little shocked..

 

CHEERS and Good Luck for a speedy recover from the procedure!! cheers smilie guy.gif




Message 5 of 19
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Valued Contributor

Re: Question about Amex Everyday and Lasik


@petergee wrote:

Friends, 

This month I got an Amex Everyday Card. My Credit Limit is $5,000

On Tuesday, I'm having LASIK and it costs $3661.80.

Amex says (via their online live chat) that this charge will be approved. 

I plan to pay the card in full on the same day (I have cash in the bank for the procedure). 

I still feel a bit squeamish about it being approved (even with their reassurance), should I bring cash just in case? 

Thoughts? 

P

 


You should be good to go. Just as a bit of advice, the "check purchasing power" also works, so you don't have to chat in with a rep. Smiley Wink

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Message 6 of 19
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Super Contributor

Re: Question about Amex Everyday and Lasik

Your ED card is on a 0% APR for a while, correct?  

If you are in your first month with AMEX, you may be limited in how many payments you can make. 

But you at least have a grace period, and you won’t be able to pay in full on that day; the charge will be Pending for a few days. 

 

I would relax for a few days, enjoy the LASIK results, and then after it prints on the upcoming statement, pay in full ahead of the payment due date after that statement. This is to allow a large balance to print in your credit history so that other banks also see you can make large charges and pay them off. Utilization will go up temporarily, yes, but you will have a large balance in your file for years to come. 

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
Message 7 of 19
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Community Leader
Senior Contributor

Re: Question about Amex Everyday and Lasik

AMEX allows payments toward pending charges.

Message 8 of 19
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Community Leader
Super Contributor

Re: Question about Amex Everyday and Lasik


@HeavenOhio wrote:

AMEX allows payments toward pending charges.


I know with their charge cards they allow this but didn't know this extended to their credit cards as well.

Message 9 of 19
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Community Leader
Senior Contributor

Re: Question about Amex Everyday and Lasik

I did it once. It's possible that they might even allow payments beyond what's pending, but I've never tried that.

Message 10 of 19
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