Can you pay extra to spend beyond your credit limit?

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Reclusive46
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Can you pay extra to spend beyond your credit limit?

Postby Reclusive46 » Thu Jul 19, 2012 5:16 pm

Can you overpay extra on a Gold charge card to be able to buy something above the normal exposure/credit limit?
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DeadSpider
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Overpay !

Postby DeadSpider » Thu Jul 19, 2012 6:57 pm

I mean if your planing on buying something big say $5000+ or higher you can try the Amex site to see if your approved or not.

If your not approvd to spend that much you can give them a call and get it approved.
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Ratfacedudeguy
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Postby Ratfacedudeguy » Thu Jul 19, 2012 7:05 pm

Yes, as long as you're past your 30 day probationary period for new members, you can prepay the card as much as you want to extend your exposure limit. This had also been reported as a good way to indefinitely increase your actual limit so you won't necessarily have to prepay future transactions.
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Reclusive46
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Postby Reclusive46 » Thu Jul 19, 2012 10:23 pm

Ratfacedudeguy2 wrote:Yes, as long as you're past your 30 day probationary period for new members, you can prepay the card as much as you want to extend your exposure limit. This had also been reported as a good way to indefinitely increase your actual limit so you won't necessarily have to prepay future transactions.


Ah I see. So you can't do this in the first 30 days? Also I remember reading this somewhere but can't find it out now. If I hit my exposure limit and make a debit card payment the card will be able to be used again instantly (Don't have to wait time for it to clear). Is this true?
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