what airlines are those miles for?

Quick question. I have a new amex platinum. With the 60k mr for 5k spend. I also happen to have a car repair bill for 3-5k coming up tomorrow. 3-5k would be my average monthly spend. I'd like to put the repairs on the amex but am worried a charge that large on a brand new card could lead to a financial review or them thinking I'm manufacturing spend to clear the bonus.

Am I worrying about nothing? Should I call them ahead of time?

No concern at all, especially for a platinum card. If you're concerned just call and tell them you're going to spend 5k tomorrow etc.

They're not for a specific airline. They're Barclays own point currency. To redeem, you use them to pay for travel charges on your card.

There's a small chance that your purchase gets initially declined because it is such a large purchase. If so, simply call the number on the back of the card, they'll verify some info, and then have you charge it again.

Since it's a legit charge, I wouldn't worry about a financial review or anything else.

Awesome, thanks guys.

Have had $10k purchases go thru with Amex no problem.

Update. Apparently since it's a brand new card it's still in the "learning" period for a month. Therefore my "limit" is $2400. Easily solved by prepaying them the 3k for the repair bill. 5 minute phone call was all it took.

That isn't enough to where it should trigger any issues related to FR. Not a bonus clearing issue, but a few years ago, I had a medical procedure paid for out of pocket that required a pre-auth for about $11K. Typical spend in a given month was about $8K and this was clearly more than that and also was going to be well over that amount for the month.

They called to confirm I had authorized the charge and that was the extent of it. Still no efforts to do an FR by them.

When I got one of their other products last year, it came with a bonus for a 90-day and a 12-month spend. Within the first week of having the card in my possession, the 12-month spend was done and cleared. Never an issue, despite it having been a $7500 spend threshold.

Sitting down to buy a bunch of Christmas **** on Amazon, when I noticed the offer of $50 off upon approval for their credit card. I was (am?) leaning towards getting, so i went to my CapitalOne app for the credit simulator.

Current score 769, I selected "open new card" and decided to throw on a 3k limit (I have no idea what is reasonable, Im pretty sure all my cards were opened while I was sub 660 or worse and had 1k or less limits), and this dropped my score to 747. Ok, bad idea to open a card I guess. I try with a 5k limit, and this would raise my score to 777.

I played with it all the way to $3,001 new limit will cost me 22 points, and a $3,100 new limit will raise it 8 pts.


Can anyone explain wtf thats all about?

I wouldn't worry too much about it. Probably a slight ding for opening a new card which decreases your average age of accounts. On top of that, varying the limits changes your utilization (usage/credit limit). Lower utilization is generally better for your credit score.

Ignore ANY score that is not from a Fair Isaac model and even then, ignore many of those UNLESS you know it is the SAME model of FICO that your lender will utilize.

Score simulators are nothing more than a shiny bauble that gain the consumer nothing in the way of a meaningful view of score impacts.

As to limits, higher is ALWAYS better. Nothing worse for credit lines down the road than a bunch of toy cards...

Yeah pretty sure the score simulators are pretty trash. Only reason you shouldn't open the new card you wanted is if are planning to get a home or auto loan or something very soon. You'll prob get a temporary small knockdown but ultimately your score will be better off with higher credit line with less % utilization as long as you are paying it off on time.

Sometimes when I'm on work trips I will run up some pretty high balances. Am I better off paying it as I go to keep utilization down or am I fine just paying it off right when the billing cycle closes?

If these high balances are using up most of your credit limit than yeah you'd be better off paying it off more often to keep the utilization around 5-10%.

Anyone have experience with getting secondary credit cards? Did they ask for ID of the secondary user or can you just tell them what name to put on the new card? My goal is to get a secondary card with a fake/alias name on it.

what could go wrong there

Used to be common prior to 9/11. I'd be a bit skittish these days. Probably won't serve most purposes now that you think it will anyhow.

I don't care how common it is, just want to know if it's possible and if so at which cc cards/companies. I don't see anything about secondary cards on my discover or cap1 accounts, only stufff about adding authorized users to the primary card.

sounds super illegal

If that is all you want to know, just try it with an AU.

Or call them and tell the CSR what you want to do and to hook you up.

It's not, and why would it be? Maybe you're confused and thinking this is a new credit account with a fake identity. That would be fraud and not what I'm talking about. This would be a secondary credit card linked to my account in my name. Whatever gets charged to the secondary card gets charged to the same account as my primary card I'm just as legally responsible for paying that as anything I charged to the primary card.

The purpose of it is simply to not allow merchants to know what my real name is. I've been using privacy(.)com cards lately but some merchants don't accept them, and they can only be used online. I'm looking for a way to get the same ability but with a more widely accepted "real" cc that I can use online or irl.

i would guess any lending institution is going to want real names and info for whoever is in possession of a card they issue, otherwise they'd be open to all kinds of scams.

say your name is donald trump, and your 2nd card is named barack obama, barack runs up a nice debt, and when the bill comes, you go, oh thats not my fault, that is baracks, go after him! then they need to litigate or waste money on fraud investigation.

id be highly surprised if you could do that. if you want to be anon, this crazy thing called cash was invented

Why are you trying to hide your name from merchants?

https://wallethub.com/answers/adding...sn-2140654480/

Not sure if this list is current. Amex requires a social for sure. You can skip but they'll close the card after a few months if you don't provide it