Your biggest buy on Amex npsl charge card?

[tparks5961]

Fun topic.

What was your largest single purchase on your Amex charge card, largest balance for 1 month and the highest amount you checked to see if it would go through?

largest transaction $8,000.00

largest monthly balance $10,500.00

largest successful check spending limit attempt $14,000.00 (just now)

[Anonymous]

I don't have an AMEX charge card but I just wanted to point out that I don't think it's a good idea to encourage people to check their spending limit. AMEX has been known to conduct FRs when people use that tool too much or are checking high amounts. 

[FlaDude]

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@Anonymous wrote:

I don't have an AMEX charge card but I just wanted to point out that I don't think it's a good idea to encourage people to check their spending limit. AMEX has been known to conduct FRs when people use that tool too much or are checking high amounts. 

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Interesting. A while back I played with the "check spending limit" tool a bit even though I had no plans to make a large purchase. I tried increasing amounts until I got up to $40k and they were still approving. I can see where this would look like spooky behavior to them. I stopped at 40k because I didn't want to hit the point where they said "no".  Luckily I don't think I triggered anything with them, but I'll stop playing around with the tool.

[Anonymous]

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@FlaDude wrote:

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@Anonymous wrote:

I don't have an AMEX charge card but I just wanted to point out that I don't think it's a good idea to encourage people to check their spending limit. AMEX has been known to conduct FRs when people use that tool too much or are checking high amounts. 

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Interesting. A while back I played with the "check spending limit" tool a bit even though I had no plans to make a large purchase. I tried increasing amounts until I got up to $40k and they were still approving. I can see where this would look like spooky behavior to them. I stopped at 40k because I didn't want to hit the point where they said "no".  Luckily I don't think I triggered anything with them, but I'll stop playing around with the tool.

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It's not a sure fire way to get a FR but it can get your account flagged and reviewed by the team who does FRs. 

https://ficoforums.myfico.com/t5/Credit-Cards/Amex-The-Check-Spending-Power-tool/m-p/5480016/highlight/true#M1618005

[tparks5961]

I would actually hope they give me a financial review. Then maybe theyll stop shutting my account down..  :-)

[wasCB14]

$6k on charge.

$40k business revolver, spread out across multiple transactions a few minutes apart.

I don't play around with the check spending tool.

[GApeachy]

I played with it.  (it looked fun)

[iced]

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@tparks5961 wrote:

Fun topic.

What was your largest single purchase on your Amex charge card, largest balance for 1 month and the highest amount you checked to see if it would go through?

largest transaction $8,000.00

largest monthly balance $10,500.00

largest successful check spending limit attempt $14,000.00 (just now)

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I've only had an American Express card for just over a year, but I'd say the largest purchase was about $3,000 for airfare (x2 since the airlines tend to run each ticket as a separate transaction). I've never checked my spending power.

I did once run $15,000 on a single transaction through a Chase MileagePlus card once for a loose diamond to set in an engagement ring. PIF'd it like a NPSL so it kinda counts?

[Brian_Earl_Spilner]

Personal gold classic

Largest charge: 11,286.88

Largest monthly balance: 52000

Spend power: it didn't exist back then because they never declined charges

[GApeachy]

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@Brian_Earl_Spilner wrote:

Personal gold classic

Largest charge: 11,286.88

Largest monthly balance: 52000

Spend power: it didn't exist back then because they never declined charges

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Now that's Gucci!