My experience with no preset limit being declined!

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rockyrock
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Postby rockyrock » Sat Jun 29, 2013 5:04 am

+1 for every post after the OP.

In nearly eight years I have only been declined once. I already had several thousand dollars on my card and I tried to buy a big screen TV for almost $2k. That is when I learned how the NPSL really worked. Once I figured it out I gradually increased my spend until I was comfortable enough that I would not get declined under normal circumstances. It has now been over six years without a problem.
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wizozzie
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Postby wizozzie » Sat Jun 29, 2013 6:35 am

When I first got my Zync card for the first 6 months I had to call to make charges over a thousand. Now I make monthly charges over 10k on both my Zync and my Platinum with no issues.

What I did was call THE SAME DAY to the customer service line and said this phrase:

"I want to charge over 5k (or whatever amount I was expecting to charge) today. I want to be able to do that with confidence. Can you be sure this will be the case for me."

When I called ahead I never got declined. Now I can charge single charges of 5 digit amounts with confidence on any of my AmEx charge cards, including my "lowly" unicorn.

I think you are expecting way too much for a card with barely any history of charging.

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AMEXPlatino86
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Postby AMEXPlatino86 » Sat Jun 29, 2013 11:47 am

Found out that he posted the same thing on Nerd Wallet under Jesse I believe.
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MemberSince99
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Postby MemberSince99 » Sat Jun 29, 2013 12:22 pm

You have great eyes, EXCEPT he posted as Jerry but otherwise, yeah great catch!

A lot of people seem to have this mistaken notion that NPSL means no limit at all and they should be able to go and put a million dollars on their card at the local Best Buy if they feel like it.

I'm not sure how a little thought about the matter doesn't turn on the light bulb where you realize that NPSL is simply a DYNAMIC line of credit not an INFINITE line of credit.

And the whole griping about not knowing if you will be declined, that is no different than a credit card - after all the bank is free to cut your limit or even cut your credit at any time.

Just periodically hit the monkey button for a reasonable amount, and check if you want something really big. What's the big deal about that?

I'd be far more sympathetic if he complained about the lousy offshore CS who must have been trained by Peggy and the Cap One crew.

KrazyNick
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Postby KrazyNick » Sat Jun 29, 2013 10:46 pm

benhollberg wrote:I am younger, 22, and have never had my AMEX declined. My PRG has about one year of use and right out of the gate averaged about $15k a month. Had balances of over $30k before and never declined. I expect to be upgrading to Platinum soon since July will be my 13th month with the PRG.

As far as this thread goes, I'd be confident your meal is approved.



Good gravy, 22 and charging 30k a month? I'm in the wrong line of work!
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MB131174
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Postby MB131174 » Sun Jun 30, 2013 1:17 pm

Now there's an AmEx Monkey? Don't let the AmEx Bear hear that. The AmEx Zoo is apparently taking over CCF.
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benhollberg
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Postby benhollberg » Sun Jun 30, 2013 1:37 pm

KrazyNick wrote:Good gravy, 22 and charging 30k a month? I'm in the wrong line of work!


It's a personal card but also have AU with my name which I use for business. At least 90% of the charges are business stuff I'd say.
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tigerhunt2011
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Postby tigerhunt2011 » Mon Jul 01, 2013 12:29 pm

Easy. Take a breath. I can understand your frustration based on the wording. But again, there is an unwritten internal limit based off of your creditworthiness. Sometimes this works in your favor. I opened my PRG alongside my BCE, which had a $2,000 limit. I checked online and after 1 month my PRG was approved for upwards of $5,000. Using your card is the best way to raise that limit.
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cashnocredit
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Postby cashnocredit » Fri Jul 05, 2013 1:07 am

I've always been nervous about NPSL cards but no more. I got my card a little over a year ago and I've never encountered a problem using it including some really high purchases over 20k, online no less. So far my highest purchase was just over 50k. I've had balances on the card that exceeded the rest of my CLs together. I've done two spending checks, one at 20k and one at just under 60k. They softed me for the 20k but not for the higher one. Their AR softing, initially every two weeks, has dropped to one in the last 6 months.

I guess whatever profile I fit into doesn't make them nervous.

MemberSince99
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Postby MemberSince99 » Fri Jul 05, 2013 8:32 am

cashnocredit wrote:I've always been nervous about NPSL cards but no more. I got my card a little over a year ago and I've never encountered a problem using it including some really high purchases over 20k, online no less. So far my highest purchase was just over 50k. I've had balances on the card that exceeded the rest of my CLs together. I've done two spending checks, one at 20k and one at just under 60k. They softed me for the 20k but not for the higher one. Their AR softing, initially every two weeks, has dropped to one in the last 6 months.

I guess whatever profile I fit into doesn't make them nervous.


If you can afford a single charge of 50k, I wouldn't be nervous either. You must have one hell of an income. Do you have the Centurion?



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