AMEX new cardmember (story)

[Brian_Earl_Spilner]

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@GApeachy wrote:

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@Brian_Earl_Spilner 

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Is there a feature on the personal amex side where you can set spending limits...like how you can on the biz side?

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Yes, but I think the limit is $200. While I don't want her to ever be stranded, I also don't want her maxing the card out, so I wish I could go lower.

[GApeachy]

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@Brian_Earl_Spilner wrote:

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@GApeachy wrote:

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@Brian_Earl_Spilner 

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Is there a feature on the personal amex side where you can set spending limits...like how you can on the biz side?

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Yes, but I think the limit is $200. While I don't want her to ever be stranded, I also don't want her maxing the card out, so I wish I could go lower.

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I get purchase notifications, so a bunch of $10 and $20 swipes won't get by me.  You could set those up along with the spend limit for safety.  Then if she is stranded, you can easily lift the spend limit temp.

[Brian_Earl_Spilner]

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@GApeachy wrote:

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@Brian_Earl_Spilner wrote:

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@GApeachy wrote:

---

@Brian_Earl_Spilner 

---

Is there a feature on the personal amex side where you can set spending limits...like how you can on the biz side?

---

Yes, but I think the limit is $200. While I don't want her to ever be stranded, I also don't want her maxing the card out, so I wish I could go lower.

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I get purchase notifications, so a bunch of $10 and $20 swipes won't get by me.  You could set those up along with the spend limit for safety.  Then if she is stranded, you can easily lift the spend limit temp.

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Problem with that is it's after the fact. You can't decline a charge attempting to go through. I'd rather raise the limit as needed.

[GApeachy]

Yeah, I know what you're saying but I guess that's all we can do.  How fun is it to tell an old lady, "$top that!"  lol, hahahahaha......not something I'd want to do.  I'd rather blame it on a "glitch" even though that would be a lie.

No other ccc has that ability do they?  Either you freeze or lock but are there limits you can apply on other cards?  

At least like in OP's situation; right when the card is realized missing/stolen you can be a little proactive and shut things down...but the spend limit seems to be the best safe guard for fraud anyway.

[GApeachy]

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@Brian_Earl_Spilner wrote:

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@GApeachy wrote:

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@Brian_Earl_Spilner wrote:

---

@GApeachy wrote:

---

@Brian_Earl_Spilner 

---

Is there a feature on the personal amex side where you can set spending limits...like how you can on the biz side?

---

Yes, but I think the limit is $200. While I don't want her to ever be stranded, I also don't want her maxing the card out, so I wish I could go lower.

---

I get purchase notifications, so a bunch of $10 and $20 swipes won't get by me.  You could set those up along with the spend limit for safety.  Then if she is stranded, you can easily lift the spend limit temp.

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Problem with that is it's after the fact. You can't decline a charge attempting to go through. I'd rather raise the limit as needed.

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Sorry...that went over my head.  Yeah, you can't stop them but at least it's a heads up somethings not right.  My son's Walmart card went through that, took fooooorever to get Synchrony and then CapOne to get rid of those pending charges.  Over 6 weeks, he wouldn't use the card cause they'd come and go in the pending/posted.  Idk why we can't lower the limit. 

[FinStar]

Just dropping by from the North Pole with some holiday cheer and a reminder to keep all posts Friendly, Supportive and Respectful.  I hate to sound like a broken record, but there's no exceptions to those guidelines. 

[Remedios]

"Two out of three ain't bad" ~ Meatloaf

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