Yet another Amex FR question...

[nada9188]

Opened BCP in Nov '11

Opened SPG Jun '12

Will be requesting a CLI at the end of August.

I claimed income of 31K on my app, however tuition is due for school here in just a few weeks and I really would like to earn the points since I will be spending the money anyways.. 

Will pushing 5K through my card in one transaction decrease my chances of CLI in August? Will doing so increase my chance of FR? 

I do not have a CL high enough yet for the 5K purchase, what would the best way be to over pay my card to have that much available for spending?

Thx

[trumpet-205]

Prepay your CC. Like push $2K into your CC to temporary increase CL (pushing money means negative balance).

Simply go to your checking account's billpay to "pay" (push) however money you want to increase CL temporary.

[HenryJumbo]

Are you really able to prepay a negative balance on Amex to save credit utilization?

[Repo-ed]

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@HenryJumbo wrote:

Are you really able to prepay a negative balance on Amex to save credit utilization?

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I'm not so sure it's saving anything, but rather "creating" a false CL.

[bettercreditguy1]

Check to be sure your payment clears first. I am not certain that Amex allows pre-payments and front loading. Which Amex card do you have?

[LS2982]

I think you can pre pay but AMEX doesn't like it.

[Anonymous]

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@LS2982 wrote:
I think you can pre pay but AMEX doesn't like it.

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Im not sure why you say that.

[LS2982]

They won't allow you to do it from their website but you can force it through a bank account. I would think if they wanted you to do it they would allow it on their site.

[Anonymous]

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@LS2982 wrote:
They won't allow you to do it from their website but you can force it through a bank account. I would think if they wanted you to do it they would allow it on their site.

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You can do it by pushing from your bank account or have a rep do it over telephone.  I doubt that the lack of ability on website to do it has any indication on how they view it.  I would more likely attribute it to make of imagination on the programmers' part.

[laboi_22]

Perfect example of why one would require an AMEX charge card. Just charge a large sum, pay it off right away after the charge posts, no AA no ULT issues. Done and done!