Will declined request to "Check Spending Ability" hurt my credit?

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Postby Robrus1 » Sat Feb 02, 2013 8:06 am

jimbojet wrote:I'm new to American Express charge cards and don't quite understand their NPSL model yet. Does making multiple requests a month raise any red flags? Does a declined request somehow affect your standing with Amex, or worse yet, your credit score?

It won't affect your standing with Amex or your credit score, but I wouldn't use that feature very often. Just spend normally and their computer software will pick up on your spending patterns. Don't worry about being declined for amounts like 5K. If you're going to drop upwards of 10K, you should just give them a call and let them know and everything should be fine. I've made purchases over 5K on my PRG with no problems and no call, but if I was going to run 10K I'd give them a call and let them know.
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K

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