(Closed) Amex is screwing up my honeymoon

posted 8 years ago in Honeymoons
Post # 3
Member
1810 posts
Buzzing bee
  • Wedding: April 2011

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?

Post # 5
Member
1288 posts
Bumble bee
  • Wedding: June 2010 - Indiana Memorial Union

Could you just pay the difference in cash?

Post # 7
Hostess
18637 posts
Honey Beekeeper
  • Wedding: June 2009

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.

Post # 8
Member
1675 posts
Bumble bee
  • Wedding: October 2010

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.

Post # 9
Member
5388 posts
Bee Keeper
  • Wedding: December 2010

That sucks. Can you use your credit card and debit card to pay for your honeymoon?

Post # 10
Member
14661 posts
Honey Beekeeper
  • Wedding: June 2011

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.

Post # 11
Member
1675 posts
Bumble bee
  • Wedding: October 2010

@pinkshoes: oh – good thinking! This is probably the best option.

Post # 12
Member
10366 posts
Sugar Beekeeper
  • Wedding: September 2010

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.

Post # 14
Member
29 posts
Newbee
  • Wedding: December 2011

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.

Post # 15
Member
10287 posts
Sugar Beekeeper
  • Wedding: October 2011

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. 

Post # 16
Member
90 posts
Worker bee

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!

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