Putting Amex Into credit?

[Flyfrequently]

I asked Amex if I could put card into credit in anticipation for a spend that would exceed my limit @p--and--t and was told I would be "flagged" and account suspended/closed.
Only suggestion given was to call them before doing it explaining the spend, with no guarantee it would be allowed.

As mentioned in other threads, tricky to increase credit limit now retired.

 

[p--and--t]

I asked Amex if I could put card into credit in anticipation for a spend that would exceed my limit @p--and--t and was told I would be "flagged" and account suspended/closed.
Only suggestion given was to call them before doing it explaining the spend, with no guarantee it would be allowed.

As mentioned in other threads, tricky to increase credit limit now retired.

AMEX is one card i gave never had. Just the big 4 and Diners.

Diners I loved that card. A hex on NAB

 

[lovestotravel]

Yeah don't put AMEX into credit even paying off an amount mid-cycle and then maxing the card out again can cause problems

 

[DejaBrew]

Yeah don't put AMEX into credit even paying off an amount mid-cycle and then maxing the card out again can cause problems

How so? Have done this before with AMEX and had no issues.

 

[Flyfrequently]

Update @DejaBrew @lovestotravel

As my pay cycle date is today, spoke to Amex and have paid this month's outstanding balance via payID.
Although I am not in credit, it will allow me to do my spend on flights ( for DSC of course!) and not go over my limit.

 

[lovestotravel]

How so? Have done this before with AMEX and had no issues.

Have seen many many reviews that Amex will put your account on hold/ask for financial details for doing this, mainly with a charge card, but also on credit cards.

I don't do anything outside of the box with Amex as I never want to jump through hoops with them

 

[DejaBrew]

Have seen many many reviews that Amex will put your account on hold/ask for financial details for doing this, mainly with a charge card, but also on credit cards.

Fair enough. Admittedly when I’ve done this in the past, I contacted them to query and advise my intentions. Never had any issues but perhaps that’s because they knew what I was up to?

 

[lovestotravel]

Fair enough. Admittedly when I’ve done this in the past, I contacted them to query and advise my intentions. Never had any issues but perhaps that’s because the knew what I was up to?

That seems to be the way to do it

 

[knagelli]

Have seen many many reviews that Amex will put your account on hold/ask for financial details for doing this, mainly with a charge card,

I have made payments many a times out of cycle but always within the limit and had no problem whatsoever with my charge card. Curious to understand , what could be the issue if I put through multiple payments into my charge card ahead of the billing cycle ?

 

[DejaBrew]

That seems to be the way to do it

Ah yes, and if I'd read the OP properly, I would have realised that's what was being suggested from the outset

 

[lovestotravel]

I have made payments many a times out of cycle but always within the limit and had no problem whatsoever with my charge card. Curious to understand , what could be the issue if I put through multiple payments into my charge card ahead of the billing cycle ?

No idea sorry but Amex is one of the worst/best for keeping an eye on customers and risk flags

AMEX Forced account closure is a recent discussion.