Does NPSL reflect single-card or Amex-wide spending?

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
14 posts
User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 3751
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Does NPSL reflect single-card or Amex-wide spending?

Postby CarefulBuilder14 » Wed Aug 27, 2014 9:12 pm

I was wondering...

When Amex determines what the 'secret' credit limit on a NPSL card is, do they just consider a cardholder's spending and payment behavior on that card (assuming any other Amex cards are paid as agreed)? Or do they consider spending behavior on other Amex accounts?

For example, take someone who has an EDP and routinely charges $10k per month and pays it off frequently to keep utilization down. That person then gets a Gold charge card and tries to make a $10k charge as the Gold's first transaction. Would that charge likely be approved or declined?

Would Amex take the good history with the EDP into account? Or does any new charge card need to be gradually stretched by charging $1,000 and paying if off, then charging $2,500 etc?
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when


User avatar
onion
Centurion Member
Centurion Member
 
Posts: 262
Joined: Tue Jul 01, 2014 8:59 pm
Location: Jacksonville, FL

Postby onion » Wed Aug 27, 2014 9:18 pm

I don't know the correct answer, but thinking about it logically, I'd say they'd look at all your accounts, the same way that your internal score with them is based on all your accounts, not just one.

Before making a big purchase with an NPSL card, I'd always use the spend check tool provided to see if it'll go through, and I'd give AmEx a heads up before making that purchase.
FICO TU - 728 - 8/14
FICO EX - 716 - 7/14
FICO EQ - 740 - 7/14

Bank of America Cash Rewards - $2,400
Best Buy - $3,000
American Express Blue Cash Everyday - $8,000
American Express Everyday - $10,000
Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)
American Express Platinum - NPSL
Barclaycard Arrival+ - $3,000
Capital One Yamacard - $11,000

Darrvao777
Platinum Member
Platinum Member
 
Posts: 80
Joined: Tue Jul 22, 2014 9:23 am
Location: NYC

Postby Darrvao777 » Wed Aug 27, 2014 9:20 pm

I believe it's across all accounts

I asked for a bump from 30K to 45K for my NPSL on the Platinum. They were aware of my spending patterns on my SPG card as well.
- Amex Platinum (primary)
- Citi Double Cash (backup)
- Chase Sapphire Reserve (just to get the bonus, closing in 2017)

User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 3751
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Postby CarefulBuilder14 » Wed Aug 27, 2014 9:25 pm

I figure that makes sense. All spending and payments affect the internal score, and the internal score largely will determine the 'real' credit limit.

Darrvao777,
Why are you considering closing the Amex Fidelity? I'm considering opening one myself - far from decided.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Wed Aug 27, 2014 9:32 pm

I know they take history into account with them. When I got the Gold in May 2013, I initially checked my spending ability and a 5k charge said it would be declined, but a 4k charge would be approved.


A couple of months later I tried 10k and that said it would be approved.


When I applied for the EDP I was given the 2k limit but then when I got a CLI it was the full 3X, and then soon after they approved me for 9.5k with the Hilton card.


So lots of spend and pay in full seems to really please them and it reflects in what they give you in turn, in my experience.

Darrvao777
Platinum Member
Platinum Member
 
Posts: 80
Joined: Tue Jul 22, 2014 9:23 am
Location: NYC

Postby Darrvao777 » Wed Aug 27, 2014 11:09 pm

CarefulBuilder14 wrote:I figure that makes sense. All spending and payments affect the internal score, and the internal score largely will determine the 'real' credit limit.

Darrvao777,
Why are you considering closing the Amex Fidelity? I'm considering opening one myself - far from decided.


Two minor issues

1) I don't like their online interface and the fact they have no mobile app. Not a huge problem when it was my primary card but since I've added 3 cards in the last month, it's going to get harder to keep track. The rest of my cards fit neatly into either the Amex app or the Chase app. Furthermore, they have alerts to let me know when payment is due and more importantly, when a card is charged without a swipe (e.g. online transactions)

2) I've been planning a lot more travel recently and while the 2% cashback from the Fidelity is nice, I do like the idea of diversifying my spend into MR, UR, and Starpoints to redeem for travel (particularly upgrades into 1st class)

I'm not rushing into canceling either since it is a 0 AF card but I figure one less thing to worry about isn't so bad (I actually only opened it earlier this year so it shouldn't wreak havoc with my aaoa either)
- Amex Platinum (primary)
- Citi Double Cash (backup)
- Chase Sapphire Reserve (just to get the bonus, closing in 2017)

User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 3751
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Postby CarefulBuilder14 » Thu Aug 28, 2014 12:13 am

Darrvao777 wrote:Two minor issues

1) I don't like their online interface and the fact they have no mobile app. Not a huge problem when it was my primary card but since I've added 3 cards in the last month, it's going to get harder to keep track. The rest of my cards fit neatly into either the Amex app or the Chase app. Furthermore, they have alerts to let me know when payment is due and more importantly, when a card is charged without a swipe (e.g. online transactions)

2) I've been planning a lot more travel recently and while the 2% cashback from the Fidelity is nice, I do like the idea of diversifying my spend into MR, UR, and Starpoints to redeem for travel (particularly upgrades into 1st class)

I'm not rushing into canceling either since it is a 0 AF card but I figure one less thing to worry about isn't so bad (I actually only opened it earlier this year so it shouldn't wreak havoc with my aaoa either)


I can definitely see the simplicity of having all your cards split between two issuers. I just recently did my first simultaneous pay of PRG and BCE and loved how easy it was.

I've heard the FIA website can be difficult to use and that they give random declines for activity they consider to be unusual. My concern would be that when I have a 5% card for several major categories, what I'd actually put on the Fidelity Amex would be pretty random and prone to false fraud alerts.

If you can get 1.5-2 cents of value from an MR point, then the EDP would make the Fidelity Amex obsolete. (Edited)

If you cancel all the cards you're considering (Fidelity, Explorer, Marriott), and get all the ones you want (CSP, PRG or EDP) then you'd have only one card (CSP), I think, that isn't issued by Amex. That's really taking a lot of risk if they FR you!
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

Darrvao777
Platinum Member
Platinum Member
 
Posts: 80
Joined: Tue Jul 22, 2014 9:23 am
Location: NYC

Postby Darrvao777 » Thu Aug 28, 2014 7:42 am

CarefulBuilder14 wrote:I can definitely see the simplicity of having all your cards split between two issuers. I just recently did my first simultaneous pay of PRG and BCE and loved how easy it was.

I've heard the FIA website can be difficult to use and that they give random declines for activity they consider to be unusual. My concern would be that when I have a 5% card for several major categories, what I'd actually put on the Fidelity Amex would be pretty random and prone to false fraud alerts.

If you can get 1.5-2 cents of value from an MR point, then the EDP would make the Fidelity Amex obsolete. (Edited)

If you cancel all the cards you're considering (Fidelity, Explorer, Marriott), and get all the ones you want (CSP, PRG or EDP) then you'd have only one card (CSP), I think, that isn't issued by Amex. That's really taking a lot of risk if they FR you!


That's very true, never thought about that

I may end up holding the Marriott card in the end since it is the oldest card I own and the free night they give you offsets the annual fee
- Amex Platinum (primary)
- Citi Double Cash (backup)
- Chase Sapphire Reserve (just to get the bonus, closing in 2017)

popamode72
Centurion Member
Centurion Member
 
Posts: 1099
Joined: Sun May 04, 2014 4:41 pm
Location: Atlanta, GA

Postby popamode72 » Sun Aug 31, 2014 9:18 am

Got bored and played around with the spending limit button again and I think I know how much I can actually charge until I'd get declined. The button approved me for up to 2500 dollars and then when I tried submitting 3000, it said that I wouldn't be approved. Very glad to know though I probably will never even get close to having that charge that much on such a card anyway.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

Damien2014
Green Member
Green Member
 
Posts: 7
Joined: Fri Sep 05, 2014 3:01 pm
Location: Stockholm

Postby Damien2014 » Fri Sep 05, 2014 3:35 pm

Here in Sweden they go on spending behaviour and there is allways a limit.

First month i got my amex platinum they declined it after 3k usd. What the limit is now i dont know. Got a bill for 720k(102k usd) Swedish this July and it was fine.



Return to “American Express”

Who is online

Users browsing this forum: No registered users and 2 guests