Can an AMEX revolver decline a purchase like a charge?

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creditlearner10
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Can an AMEX revolver decline a purchase like a charge?

Postby creditlearner10 » Wed May 28, 2014 6:30 pm

I was planning on making a big purchase with my hilton surpass card, but im scared that it will decline the purchase like a charge. Does this happen?


Dman316
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Postby Dman316 » Wed May 28, 2014 11:39 pm

In a nutshell, yes. The AMEX credit cards work just like regular credit cards.
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CarefulBuilder14
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Postby CarefulBuilder14 » Wed May 28, 2014 11:59 pm

I'm not sure, but the OP might have been asking a question more along the lines of:

If my revolver limit is $6000, and I try to make one big purchase for $5800 that takes my available credit from $6000 down to $200, will Amex consider that a questionable transaction?

Calling Amex before making an unusally large transaction is always good. You should clarify whether the transaction would make you exceed your balance.
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Robrus1
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Postby Robrus1 » Thu May 29, 2014 8:08 am

creditlearner10 wrote:I was planning on making a big purchase with my hilton surpass card, but im scared that it will decline the purchase like a charge. Does this happen?


No, you should be fine. The credit line issued is what they are willing to lend you. As long as it's within your credit limit and your account is in good standing, there's no need to call or worry. If you need to go over your limit, you may want to call to make sure the transaction will be approved. AmEx is good about approving large transactions without needing a phone call.
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