MemberSince99 wrote:There is a pretty simple way to do this that has nothing to do with Amex - just push money to them from your bank account. Once it shows on the account make the purchase.
That's not necessarily true. Some banks (MBNA used to do this, for instance, and so did at least some citi accounts) will show you have a negative balance, but still limit your credit to the limit. So you have a -10,000 balance, and a a 5K limit, you can't buy
something for $15K, or eve $5,100. You can only spend $5,000. Once that charge posts (not just is authorized, but actually posts), your balance will rise to -$5000, and your available credit will go back to $5K. (I ran into this buying an engine a number of years ago. Bought one, paid the bill, got a refund, tried to buy a replacement for a bit more than the limit. Had to explain things to a whole series of CSRs, before MBNA would let me spend my own money along with theirs.)