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Overpayment to credit card account to increase credit line
I’ve a promotional AmEx account with a credit score line of $1,000. I need to make $5,000 of purchases to qualify for the bonus. Can I make a one-time cost of $4,000 to my account (overpay) to convey the obtainable credit score line to $5,000 after which make a $5,000 buy with out working into points?
Re: Overpayment to credit card account to increase credit line
Carno wrote: ↑Sat Sep 07, 2024 7:39 pm
I’ve a promotional AmEx account with a credit score line of $1,000. I need to make $5,000 of purchases to qualify for the bonus. Can I make a one-time cost of $4,000 to my account (overpay) to convey the obtainable credit score line to $5,000 after which make a $5,000 buy with out working into points?
Ask Amex, they’ve stay chat. Typically no they do not like issues such as you counsel. However they can not cease you from charging, paying, charging, paying, a number of occasions throughout a cycle
Re: Overpayment to credit card account to increase credit line
nalor511 wrote: ↑Sat Sep 07, 2024 7:47 pmCarno wrote: ↑Sat Sep 07, 2024 7:39 pm
I’ve a promotional AmEx account with a credit score line of $1,000. I need to make $5,000 of purchases to qualify for the bonus. Can I make a one-time cost of $4,000 to my account (overpay) to convey the obtainable credit score line to $5,000 after which make a $5,000 buy with out working into points?Ask Amex, they’ve stay chat. Typically no they do not like issues such as you counsel. However they can not cease you from charging, paying, charging, paying, a number of occasions throughout a cycle
Sure, that was my first plan, however I’ve a deadline of 9/15 and there may be not a lot time to make such 4-5 purchases (cost and pay methodology).
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Re: Overpayment to credit card account to increase credit line
Carno wrote: ↑Sat Sep 07, 2024 7:59 pmnalor511 wrote: ↑Sat Sep 07, 2024 7:47 pmCarno wrote: ↑Sat Sep 07, 2024 7:39 pm
I’ve a promotional AmEx account with a credit score line of $1,000. I need to make $5,000 of purchases to qualify for the bonus. Can I make a one-time cost of $4,000 to my account (overpay) to convey the obtainable credit score line to $5,000 after which make a $5,000 buy with out working into points?Ask Amex, they’ve stay chat. Typically no they do not like issues such as you counsel. However they can not cease you from charging, paying, charging, paying, a number of occasions throughout a cycle
Sure, that was my first plan, however I’ve a deadline of 9/15 and there may be not a lot time to make such 4-5 purchases (cost and pay methodology).
Counsel you strive overpaying a small quantity and see if it really works.
My Chase bank card will let me overpay. However my Costco Citi will settle for it however will mark as future date (which gained’t accomplish what you need
Re: Overpayment to credit card account to increase credit line
single2019 wrote: ↑Sat Sep 07, 2024 8:26 pmCarno wrote: ↑Sat Sep 07, 2024 7:59 pmnalor511 wrote: ↑Sat Sep 07, 2024 7:47 pmCarno wrote: ↑Sat Sep 07, 2024 7:39 pm
I’ve a promotional AmEx account with a credit score line of $1,000. I need to make $5,000 of purchases to qualify for the bonus. Can I make a one-time cost of $4,000 to my account (overpay) to convey the obtainable credit score line to $5,000 after which make a $5,000 buy with out working into points?Ask Amex, they’ve stay chat. Typically no they do not like issues such as you counsel. However they can not cease you from charging, paying, charging, paying, a number of occasions throughout a cycle
Sure, that was my first plan, however I’ve a deadline of 9/15 and there may be not a lot time to make such 4-5 purchases (cost and pay methodology).
Counsel you strive overpaying a small quantity and see if it really works.
My Chase bank card will let me overpay. However my Costco Citi will settle for it however will mark as future date (which gained’t accomplish what you need
What’s future date and the way far into the long run as a result of that is the primary time I’m studying about it?
Re: Overpayment to credit card account to increase credit line
Carno wrote: ↑Sat Sep 07, 2024 7:59 pmnalor511 wrote: ↑Sat Sep 07, 2024 7:47 pmCarno wrote: ↑Sat Sep 07, 2024 7:39 pm
I’ve a promotional AmEx account with a credit score line of $1,000. I need to make $5,000 of purchases to qualify for the bonus. Can I make a one-time cost of $4,000 to my account (overpay) to convey the obtainable credit score line to $5,000 after which make a $5,000 buy with out working into points?Ask Amex, they’ve stay chat. Typically no they do not like issues such as you counsel. However they can not cease you from charging, paying, charging, paying, a number of occasions throughout a cycle
Sure, that was my first plan, however I’ve a deadline of 9/15 and there may be not a lot time to make such 4-5 purchases (cost and pay methodology).
Then you could not make it. These kind of promotions actually require wonderful group and planning, to achieve success at them
Ask them to briefly increase your restrict since you need to make an enormous buy
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Re: Overpayment to credit card account to increase credit line
nalor511 wrote: ↑Sat Sep 07, 2024 8:57 pmCarno wrote: ↑Sat Sep 07, 2024 7:59 pmnalor511 wrote: ↑Sat Sep 07, 2024 7:47 pmCarno wrote: ↑Sat Sep 07, 2024 7:39 pm
I’ve a promotional AmEx account with a credit score line of $1,000. I need to make $5,000 of purchases to qualify for the bonus. Can I make a one-time cost of $4,000 to my account (overpay) to convey the obtainable credit score line to $5,000 after which make a $5,000 buy with out working into points?Ask Amex, they’ve stay chat. Typically no they do not like issues such as you counsel. However they can not cease you from charging, paying, charging, paying, a number of occasions throughout a cycle
Sure, that was my first plan, however I’ve a deadline of 9/15 and there may be not a lot time to make such 4-5 purchases (cost and pay methodology).
Then you could not make it. These kind of promotions actually require wonderful group and planning, to achieve success at them
Ask them to briefly increase your restrict since you need to make an enormous buy
This ^^
And whenever you name them, be very easy and clarify that you’ve got the deadline to get the bonus factors, and that is all you need to do… so might they enhance your present credit score restrict till you’ve got made the mandatory purchases. Additionally ask when you might make further funds in order that the excellent steadiness is not excessive.
RM
This signature is a placebo. You might be within the management group.
Re: Overpayment to credit card account to increase credit line
nalor511 wrote: ↑Sat Sep 07, 2024 7:47 pmCarno wrote: ↑Sat Sep 07, 2024 7:39 pm
I’ve a promotional AmEx account with a credit score line of $1,000. I need to make $5,000 of purchases to qualify for the bonus. Can I make a one-time cost of $4,000 to my account (overpay) to convey the obtainable credit score line to $5,000 after which make a $5,000 buy with out working into points?Ask Amex, they’ve stay chat. Typically no they do not like issues such as you counsel.
What’s the rational purpose they do not like making over funds?
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Re: Overpayment to credit card account to increase credit line
Carno wrote: ↑Sat Sep 07, 2024 7:39 pm
I’ve a promotional AmEx account with a credit score line of $1,000. I need to make $5,000 of purchases to qualify for the bonus. Can I make a one-time cost of $4,000 to my account (overpay) to convey the obtainable credit score line to $5,000 after which make a $5,000 buy with out working into points?
is the bonus 60,000 bonus Delta miles? I see such a suggestion on-line. In that case, it says you might have 6 months to hit the $5000 in purchases. So making $1000 purchases over the primary 5 months ought to get it performed.
$1000 looks as if a low restrict these days. Is there anyway you will get a credit score enhance figuring out it’s a must to make a big buy that exceeds the obtainable credit score? you would inquire if that is potential.
Re: Overpayment to credit card account to increase credit line
arcticpineapplecorp. wrote: ↑Sat Sep 07, 2024 9:53 pmCarno wrote: ↑Sat Sep 07, 2024 7:39 pm
I’ve a promotional AmEx account with a credit score line of $1,000. I need to make $5,000 of purchases to qualify for the bonus. Can I make a one-time cost of $4,000 to my account (overpay) to convey the obtainable credit score line to $5,000 after which make a $5,000 buy with out working into points?is the bonus 60,000 bonus Delta miles? I see such a suggestion on-line. In that case, it says you might have 6 months to hit the $5000 in purchases. So making $1000 purchases over the primary 5 months ought to get it performed.
$1000 looks as if a low restrict these days. Is there anyway you will get a credit score enhance figuring out it’s a must to make a big buy that exceeds the obtainable credit score? you would inquire if that is potential.
Particular Welcome Bonus:
Earn 25,000 Membership Rewards factors after you spend $5,000 in eligible purchases on the Card inside your first 3 months of Card Membership.
I utilized nearly 3 months in the past and have 4 different AmEx playing cards (all low credit score traces) that I nearly by no means use. I figured my credit score line might be above $5,000.
Re: Overpayment to credit card account to increase credit line
Carno wrote: ↑Sat Sep 07, 2024 7:39 pm
I’ve a promotional AmEx account with a credit score line of $1,000. I need to make $5,000 of purchases to qualify for the bonus. Can I make a one-time cost of $4,000 to my account (overpay) to convey the obtainable credit score line to $5,000 after which make a $5,000 buy with out working into points?
It labored for me with Amex over a decade in the past once I wanted to make a purchase order larger than my credit score restrict.
A minimum of one among my Amex playing cards has a “Have to spend extra?” function that permits you to discover out if a purchase order over the credit score restrict would seemingly be permitted. I used it earlier this 12 months earlier than making a big buy effectively over my restrict.
Giant overpayments and credit score restrict biking can enhance threat for the cardboard issuer. A card cost from a checking account might bounce days or even weeks later. Purchases might be disputed.
Re: Overpayment to credit card account to increase credit line
Lyrrad wrote: ↑Solar Sep 08, 2024 12:37 amCarno wrote: ↑Sat Sep 07, 2024 7:39 pm
I’ve a promotional AmEx account with a credit score line of $1,000. I need to make $5,000 of purchases to qualify for the bonus. Can I make a one-time cost of $4,000 to my account (overpay) to convey the obtainable credit score line to $5,000 after which make a $5,000 buy with out working into points?It labored for me with Amex over a decade in the past once I wanted to make a purchase order larger than my credit score restrict.
A minimum of one among my Amex playing cards has a “Have to spend extra?” function that permits you to discover out if a purchase order over the credit score restrict would seemingly be permitted. I used it earlier this 12 months earlier than making a big buy effectively over my restrict.
Giant overpayments and credit score restrict biking can enhance threat for the cardboard issuer. A card cost from a checking account might bounce days or even weeks later. Purchases might be disputed.
Thanks, nice solutions! I’ll name at present and let you understand how it goes.
