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Can you shop around for another new credit card with a limit that is higher than what you need?
Or can you pay part of the amount on one card and the other part on a different card?
@JenniMichele: Unfortunately I only have the one credit card! I don't really want to apply for another, which will ding my credit, but I might have to. The stupid thing is I know I have AWESOME credit, so it seem dumb to F me over based on like a $200 difference.
@ribbons: No, unfortunately Orbitz isn't a physical place I can go, it's only online and they don't accept Paypal or anything, just credit cards and a VISA or MC debit card (those last things don't exist in Canada).
Can you use a debit card instead? I know it sucks but the people working at the credit card company don't have any choice in your increases, it's all computer mandated based on what type of 'risk' they think you are.
Call back Amex. Do not speak to the person who answers the phone. Insist on speaking to a supervisor and ask for a temporary limit hike. Don't be rude, just stay calm, explain your situation and be polite. In situations like this it's pretty much useless to talk to the frontline call centre staff.
That sucks. Can you use your credit card and debit card to pay for your honeymoon?
Do you currently use the card as cash and carry a zero balance? You may be able to just over pay your card by the difference, so that you have a negative balance, then when you charge your honeymoon, you still come in under your credit limit.
@pinkshoes: oh - good thinking! This is probably the best option.
Unless you are buying a car or house in the next 6 months, I would take the ding on your credit. It does recover, and is not that big.
@pinkshoes: Yes I do! That's a great idea, I'm going to try it out :) I currently have like $40 on there so I'll overpay by about $200 and then charge.
Great idea! Thanks!
I think pinkshoes option of overpaying so you have a negative balance is a good one - you'd only have to do it for the amount that you don't have the limit for. Or you could buy one of the general VISA or some other brand gift card for the correct amount. You can use them just like a credit card.
You would think that they would have made an exception just to keep a happy customer but they really just dont care. I work directly with Amex at work and their terrible.
I'm not sure if you have the option or not in Canada but in the US we can do cash advances on credit cards. If you take your credit card to a bank, they will basically charge your card in whatever amount you wish and you will get cash back. Not sure how you would go about getting the money onto another card though since you dont have debit cards.
I used to work for American Express, and they have a feature called Can I Use My Card, if you have a negative balance on your card so that you have say $4500 in available credit, they can pre process the charge and let you know if it will go through. That way you can book confidently online knowing the charge should process properly. Good luck!
I am probably a little biased, but why not book your honeymoon with a travel agent so that you don't have to pay the whole thing all at once?
Whenever you get an answer that you don't like from someone on the phone at these companies, ALWAYS ALWAYS ALWAYS ask to speak to a supervisor. There is always someone there who can do more than the computer says.
@Bliss Honeymoons: Because I can get a waaaay better deal online and I don't have to pay their commission. (I used to work for a travel wholesaler and I saw some of the commissions travel agents charged...sometimes up to $300 per flight, never mind hotel stays!) Even compared to WestJet or Air Canada Vacations, Orbitz is very reasonable. And if the price goes down after you book, they cut you a cheque. :)
Thanks for the advice everyone, I feel much better.
I would suggest checking out a travel agent if the overpaying does not work. We priced out our honeymoon online and the travel agent (AAA, I know not Canadian)came in with the same price plus she had access to flights we couldn't book through orbitz or travelocity or anything online at hte same price point. I also worked in the travel industry and generally thought I'd never use travel agents but there was no increased cost and we only had to pay flights and hte deposit up front which would really help your AMEX situation.
I'm very sorry you're having trouble with AMEX. I too have beef with them. They're traveler's checks used to be accepted world-wide, and now they're nearly impossible to cash (outside of a US bank, anyway). Grrrr.
I would also suggest overpaying by the difference rather than going over your credit limit. Yes, it's just a slight ding on your credit score but it shows up on your credit history. Even though it's minor, future credit cards (and current ones) can use this as a "reason" to deny you a new credit card or even cancel your current credit card. Not fair but true.
Overpaying works just fine, I do it all the time with my AMEX.
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So I wanted to book our honeymoon online (Orbitz) a few weeks ago, but the price tag came to about $4500 and my credit card limit wasn't enough. In Canada I guess there's a rule that you can only increase once every six months and I had only been with Amex for 5.5 months. So I (impatiently) waited!
Today I call them up on my 6 month anniversary and say I want to raise the limit to $5Kish. The lady says she can raise it to $4,400 since that's what the computer says. I tell her it's for my honeymoon and I literally need like $150 more, and she says basically sorry, that's what the computer says so you if you don't take it now you can't even ask for more for another six months. I took it, but I asked her if I charged $4,500 will it go through anyway, as sometimes they will accept overage charge if they're not too big. She says "I don't know, probably not."
So now I have to wait ANOTHER six months to buy my honeymoon, which might be a higher price or unavailable by then. It is NOT in my nature to book something only a couple months in advance (it would be the first two weeks of July, earliest I could book would be late April/early May).
American Express' slogan on their contact us page is "You're not a number, you're a person!" Well I don't feel much like a person. Right now I'm just sitting in the dark of my house bawling. F**k you, American Express.