Ive had a weird agreement with AMEX on my Gold Card for a few years. Two years ago after a phone call about the “No Limit Spending” I submitted financial documents to them & they gave me a $22,000 SL, that I could see on my App. They recently just lowered it down to $6500. I always pay on time and I have run up some serious spend on the card in the past. No bad payment history and credit score around 700. So I definitely had me SL lowered recently. I do like the setup still, the No Limit Spending thing was annoying and weird, it’s nice to know what I can spend without the dumb Spending Power check.
So people work up to get good credit by paying on time , etc and credit card companies for NO REASON decrease their credit line ? Whats the message here 🙉
Last I checked my gold card spending limit was 20k. That was last year when I first got the card. Just got a platinum card and will not be checking it. I think with all that’s going on Amex is paying close attention to everything you’re doing on your account. Be safe
Love the channel. My credit score has improved immensely since watching your channel. Thumbs up and keep the great content. Consider me a Shifu Disciple 👍🏽
Happen to me last week. Didn't use my Green card for a month or more then wanted to use it for a Sprint bill for $130 got denied 🤷🏿♂️ so I used one of my Chase cards no issues
i mean really 130 it really shouldnt have denied such a small amount but i mean i am no expert with the green card myself. Its not the same when using Chase because they give you a limit so as long as you dont spend over the limit you wont be denied.
I have the AMEX Platinum from Thailand. First time I tried to pay 10.000 EUR for AdWords. The transaction got rejected. After I just called to talk with them and from then I never had any problems spending 10.000 EUR on AdWords in one transaction. Several times I have spend more than 20.000 EUR every month without any problems.
I recently got hit with a financial review Amex suspended my charging power on 3 of my credit cards, platinum, gold and a blue business plus I was told to submit my last 2 bank statements, I was also told that I was doing high spending and was told that Amex wants to know if I will be able to pay them back. So I told myself isn't that the whole point of having to turn on pay over time, Which allows me to pay interest on purchases I can't afford? I'm willing to pay interest on large purchases or Plan It why would they be bothered about me "not being able to pay back" I have no default accounts ever, 790 credit score. This is crazy to me
When I got the Gold and the Green cards, I checked the spending limit and I was approved for 7k. After a while, it dropped down on both card to $5500 which is more than I could ever need anyway. My highest credit card limit is $7000 with Chase so the lowering didn't bother me. 10k between the 2 Amex is more than enough! :D
With my green card, my spending limit is $4000. On my American Express every day card, it’s $7500. The every day is no annual fee while the green card is $150 annual fee. Go figure. If tomorrow I close out my green card, I’ll keep the every day card to preserve my points and so that that way it keeps me in the Amex family in someway shape or form
My last Amex statement showed them having put a $2000 limit on my Gold Charge Card. Haven't really put much spend on there since May 2019 after I changed to CSR for most spend.
About a year ago I was approved for upwards of 80k. My credit had only increased and im making more money now but my limit decreased to 40k. Not like I’ll ever spend that much in a month but it was nice knowing they trusted me that much hah
Yeah, I was hit with that "PRESET" limit crap when I recently tried to book a hotel room. My thing is I am not paying a $250 a year annual fee for a card that has a limit less than a card that I have with them with a higher limit and a zero annual fee which is why I am canceling that card
I have a Green card with a $4000 spending power and $150 annual fee. Yet, my regular Amex EveryDay is NO annual fee has a $7500 credit limit. I will be considering the same and canceling the Green card when either my first year is up or at the most the second year when my annual fee for the third year posts. If they want me to keep the Green card, they better give a very good retention offer every year or if not, every other year to keep their Green card. I'm just more worried about them claw back my points and being sneaky.
The algorithm that determines the charge card spending limits its either too complex or just erratic (i believe it it the latter). My spending limit is way higher than 3 times my highest payment, but that number fluctuates DAILY, and varies by thousands! Yes, use more = higher spending limit does apply but apparently no one has any explanation to why the limit fluctuates like a stock market. It actually makes it very unreliable. Definitely a 'good to have card" (charge cards), but don't forget the term 'you never know' when you use them!
Mine is forever changing but it’s been at the highest recently. Feel like people they really trust they want to spend more money. Both my platinum cards says I can spend 40k on them and 50k on business gold
I have Green Card and had it for 629 Fico 8 in 2018.., and now all the sudden they put a $2,000 spending preset spending limit and credit score is not much higher 656 Fico 8 Experian as of today, and they put this limit on green card and also with this limit, tell me I am qualified for upgrade to Platinum.... rather strange activity even lucky to have a card of their's like I am limit or not limit as a month ago....fees are only thing making it where I want to cancel it but no other elite cards do I have...I am lucky they didn't close account out....
I noticed on my platinum check spending limit, I put 10000 and it said yes. That it asked if I wanted to go higher. So I did and it said you've made too many attempts. Then don't ask me!
I got bored and checked my "purchasing power" for my Plat today, 9NOV20. Plugged in 30K and they were like "Congrats! Yo can do that!" And I was like "Fantastic... that is not what I make in a month /or be able to afford that, but thanks for the info!" To be fair, I've had some large medical bills this last year that I put on a regular Amex card. The charges totaled 8.5k, but I knew I would be refunded through insurance within a couple months. I was, and I paid my balance off on my 0% APR card within 8 weeks. This is probably why they feel I am worthy of buying a Honda Accord with my platinum, even though my monthly spend on the cards is only ~2500 (which I don't roll and pay off.)
I have a Delta Reserve SkyMiles card that I've had less than a year and I got when I had a job that had lots of regular flying. That card *does* have a credit limit, but it also has a 'Check Spending Power' button in the app. When I first got it, I tried it out and was able to go a bit over my credit limit. I tried it just now and was 'partially approved' for .... the remainer of my available credit. :-P Not once have I had the opportunity to use it for a flight and take advantage of the miles or the lounge access/upgrades/etc. A few months after I got the card, COVID-18 happened and the next company trip was cancelled, and then I was one of the victims of massive layoffs due to COVID-19 - and my new job doesn't have any travel :-P
I have heard famous RUclips personalities say they were contacted and had to do a Financial Review with American Express after they were playing with the "Check My Spending Power" tool and he said NOT a good idea to do that.
Just got the Gold a month ago. Tried to hit the Sign Up Bonus. I hit up to 3,000$ until it got declined and I found my hidden limit They said everyone has the same credit limit cap for the first month. I wonder if anyone else has had similiar sitiation .
So, I just got my Amex Gold on yesterday and since they do not have any data on m outside of the amount that was put on my application, how much should I spend in my first month to make certain that I have a good spending limit?
Some interesting things I found over many years. One was the plum card they seem to let companies spend more on it not just with me but other I know, even more than on a centurion or platinum. It's like they give more spending power to users with the Plum card. Another odd thing is spending over million on platinum or plum seen people not get an invite to centurion but then seen someone get a centurion with spending less then 200k have low credit not wealthy by any stretch. Seen some do a lot of returns affect spending power in both ways as if no rime or reason, some are doing it to get around paying that mouth. example if your due for 10k and u have available more you can buy some things for 10k return it and apply the return credit and not have a bill that mouth. Another thing was randomly getting cut with no reason, credit was really good just nothing made sense even prepay took mouths for them to adjust things, seeing odd things like that are confusing. The list goes on and on for me and many others around me.
I went online as I wanted to see it a payment of £2000 would go thorough it said no, I decrease it 3 times near the amount I really wanted to spend but triggered the two many uses scenario. Tried the following day and it stated that they may consider??? Yesterday I got a letter stating they have reduced my limit to £900.00 on my charge card. I will be canceling it a month before I get charge the annual charge cos what use if the a limit of £900 to me.
Should I let my balances register on my statement every month to help my limits go up or is it still smart to pay off balances to low amounts prior to statements coming out on the charge cards?
Do you have to allow the balance to sit for the full billing cycle for this to work? I use my CCs instead of cash or debit card and pay them off every 2 weeks. If I treated an AMEX charge card this way, would it keep my available purchase power low?
The Credit Shifu thanks for replying! You’re definitely right. I was a little preoccupied when I was sending that, so it sorta came off a bit snarky lol. Wasn’t meant to be.
Neal Glover yea it’s crazy man. I mean I get it they’re trying to reduce their exposure due to the market turmoil. But shouldn’t penalize long loyal and trust worthy clients.
I'm curious as to whether the limit would be per card or in total across charge cards? Say i have a gold and a green and average 1200 on the gold and 200 on the green monthly, would the theoretical limit on both potentially be 1400 * 3 each or would the gold be 1200 * 3 and the green 200 * 3 or would it possibly be a combined limit across both be 1400 * 3. Also does having high AMEX credit card limits sitting mostly unused affect any charge card limits? I have 4 AMEX credit cards with limits I completely forget but are each easily over 10k and I hardly hit them. Would it be reasonable to assume that I could expect that the charge cards could possibly be tied to the overall credit limit set for me by AMEX in total so maybe $30k -$40k hitting my gold card would be no problem especially with no increase in spending on the credit cards? If I had say $75k sitting in a high yield AMEX savings account, can they see that and take it into account? Does having well in excess of 100k in credit limits from Chase cards with average utilization in the 3% range and paid off in full every month be something they can see and take into account? So many questions on this topic. Love and hate the mystery of "THE AMEX ALGORITHM". Cue spooky music. As of now I have not been notified by or noticed anything from any issuer concerning any of my cards limits. Not particularly worried about it either. I could easily take limit cuts of 50% or more on every card and still not have to worry about utilization hits to credit. Can also easily pass financial review as I have never fudged anything. Honesty is the best policy and helps you sleep at night. Another thing I find interesting is that when logging into my Amex account I get constantly hit with things like loan offers and I have noticed the pre-approved loan amounts will fluctuate wildly (like by 10's of thousands of dollars up and down over a few months) for no apparent reason. Wonder if that is tied to constant reviews or just random marketing.
maybe in the summer, if UK lets us come, not sure what lockdown conditions they have in place. I don't want to get there and then get told to stay in a house for 14 days or something
The Credit Shifu would love too see a video on how the US cards have more better offers than our UK Amex cards and how other countries Amex cards fair against each other, the UK get a much lower sign up bonus and no 4x on supermarkets 😥
I recently got my first Amex. Is paying off charges prior to the statement period ending a bad idea? I've been paying them off the day after they post.
I know this super late, but I recently had this question myself. From what I've found it's better to leave the balance until it shows on your next billing statement bc that's what's reported to the credit bureau. At that point, you can pay the balance before your due date if you choose.
@Chill Will So basically they determine your spending habits based on what's reported to the credit beaurus not your registered transactions within their company themselves on a monthly basis?. I pay down all of my balances to SUPer low amounts prior to statements closing.
One of my credit cards fell off the 5/24 rule on May 15th and I applied for a chase card on May 19th. My application is currently under review. If I do happen to get denied can I call the reconsideration chase number? Do you think they might reconsider my application?
Were you actually thinking when you did this you know AMEX checks these and you could get risked to having your account closed down. Ben gets blacklisted by AMEX that would be a great video to 😂🤣
AMEX: “No limit! 🙌🏾”
Also AMEX: “Don’t do that.”
Lmao
I hate it. it's so Confusing.
No pre-set spending limit. Emphasis on 'pre-set'.
Ive had a weird agreement with AMEX on my Gold Card for a few years. Two years ago after a phone call about the “No Limit Spending” I submitted financial documents to them & they gave me a $22,000 SL, that I could see on my App. They recently just lowered it down to $6500. I always pay on time and I have run up some serious spend on the card in the past. No bad payment history and credit score around 700. So I definitely had me SL lowered recently. I do like the setup still, the No Limit Spending thing was annoying and weird, it’s nice to know what I can spend without the dumb Spending Power check.
What documents did they ask for..?
My Amex platinum used to allow 75k when I checked spending power. Now it shows 10k as max!
Damn. Smh
So people work up to get good credit by paying on time , etc and credit card companies for NO REASON decrease their credit line ?
Whats the message here 🙉
That’s crazy man. I think it’s due to the economic uncertainty.
Yup same here too smh 🤦🏽♂️
I literallt just got my platinum and it says 10k max for me too.
Was I the one who held their breath when Shifu tried the $80K spending limit?
Last I checked my gold card spending limit was 20k. That was last year when I first got the card. Just got a platinum card and will not be checking it. I think with all that’s going on Amex is paying close attention to everything you’re doing on your account. Be safe
If your going to make a very big purchase like a car, its worth checking it. For normal everyday purchases, its probably not worth it.
I appreciate your creativity and enthusiasm with every video. Keep up the great work
Question why am I paying 550 a year for Platinum card to have my card Down graded never missed a payment or late
Yes!!! ☝️☝️
Yep.. here in the UK. My Spending Power on Amex Gold was something about £8K. Today... £1.4k. That sucks...
Love the channel. My credit score has improved immensely since watching your channel. Thumbs up and keep the great content. Consider me a Shifu Disciple 👍🏽
Credit warrior!
Ben! As much as I appreciate your commentary I also enjoy that you no longer have the music at the end of each video. You get a 👍 for that alone!
I miss that music at the end. Different strokes for different folks!
Please do a video after your Amex Financial Review 🤣
Well, you just triggered financial review.
Haha yeah maybe
If you will get a financial review for sure
What's a financial review?
De Toa Baja Pal' Mundo Amex freezes you and ask for financial statements, tax returns etc.
This is interesting, i have had an Amex corporate card (employer) for 2 years with crazy expenses. They gave me a Gold for myself because of it haha.
Yes month one I couldn't do mote than 1300, month 6 8400 is ok, we don't need more then 4k
Happen to me last week. Didn't use my Green card for a month or more then wanted to use it for a Sprint bill for $130 got denied 🤷🏿♂️ so I used one of my Chase cards no issues
And that's on how to ruin my day without me even remotely fantasising it for today.
i mean really 130 it really shouldnt have denied such a small amount but i mean i am no expert with the green card myself. Its not the same when using Chase because they give you a limit so as long as you dont spend over the limit you wont be denied.
I have the AMEX Platinum from Thailand. First time I tried to pay 10.000 EUR for AdWords. The transaction got rejected. After I just called to talk with them and from then I never had any problems spending 10.000 EUR on AdWords in one transaction.
Several times I have spend more than 20.000 EUR every month without any problems.
I recently got hit with a financial review Amex suspended my charging power on 3 of my credit cards, platinum, gold and a blue business plus I was told to submit my last 2 bank statements, I was also told that I was doing high spending and was told that Amex wants to know if I will be able to pay them back. So I told myself isn't that the whole point of having to turn on pay over time, Which allows me to pay interest on purchases I can't afford? I'm willing to pay interest on large purchases or Plan It why would they be bothered about me "not being able to pay back" I have no default accounts ever, 790 credit score. This is crazy to me
When I got the Gold and the Green cards, I checked the spending limit and I was approved for 7k. After a while, it dropped down on both card to $5500 which is more than I could ever need anyway. My highest credit card limit is $7000 with Chase so the lowering didn't bother me. 10k between the 2 Amex is more than enough! :D
With my green card, my spending limit is $4000. On my American Express every day card, it’s $7500. The every day is no annual fee while the green card is $150 annual fee. Go figure. If tomorrow I close out my green card, I’ll keep the every day card to preserve my points and so that that way it keeps me in the Amex family in someway shape or form
My last Amex statement showed them having put a $2000 limit on my Gold Charge Card. Haven't really put much spend on there since May 2019 after I changed to CSR for most spend.
So if credit card companies are decreasing limits whats the point of credit cards anymore ?
Giving you 25k today & dropping you next week to 10k.
🙈🙉🙊
They are decreasing due to the economic crisis.
Next Video: I got hit with Amex Financial Review.
About a year ago I was approved for upwards of 80k. My credit had only increased and im making more money now but my limit decreased to 40k. Not like I’ll ever spend that much in a month but it was nice knowing they trusted me that much hah
I noticed it a while back!!
Yeah, I was hit with that "PRESET" limit crap when I recently tried to book a hotel room. My thing is I am not paying a $250 a year annual fee for a card that has a limit less than a card that I have with them with a higher limit and a zero annual fee which is why I am canceling that card
I have a Green card with a $4000 spending power and $150 annual fee. Yet, my regular Amex EveryDay is NO annual fee has a $7500 credit limit. I will be considering the same and canceling the Green card when either my first year is up or at the most the second year when my annual fee for the third year posts. If they want me to keep the Green card, they better give a very good retention offer every year or if not, every other year to keep their Green card. I'm just more worried about them claw back my points and being sneaky.
Awesome video. Thanks for trying that limit. Very useful!
Yup checked two weeks on the gold card. It was $5000. Today $2000 lol
What’s it now? lol
The algorithm that determines the charge card spending limits its either too complex or just erratic (i believe it it the latter). My spending limit is way higher than 3 times my highest payment, but that number fluctuates DAILY, and varies by thousands! Yes, use more = higher spending limit does apply but apparently no one has any explanation to why the limit fluctuates like a stock market. It actually makes it very unreliable. Definitely a 'good to have card" (charge cards), but don't forget the term 'you never know' when you use them!
Mine is forever changing but it’s been at the highest recently. Feel like people they really trust they want to spend more money. Both my platinum cards says I can spend 40k on them and 50k on business gold
I have Green Card and had it for 629 Fico 8 in 2018.., and now all the sudden they put a $2,000 spending preset spending limit and credit score is not much higher 656 Fico 8 Experian as of today, and they put this limit on green card and also with this limit, tell me I am qualified for upgrade to Platinum.... rather strange activity even lucky to have a card of their's like I am limit or not limit as a month ago....fees are only thing making it where I want to cancel it but no other elite cards do I have...I am lucky they didn't close account out....
I noticed on my platinum check spending limit, I put 10000 and it said yes. That it asked if I wanted to go higher. So I did and it said you've made too many attempts. Then don't ask me!
Are you aware that every now & again you sound like The Doctor David Tennant years👍🏼
I got bored and checked my "purchasing power" for my Plat today, 9NOV20. Plugged in 30K and they were like "Congrats! Yo can do that!" And I was like "Fantastic... that is not what I make in a month /or be able to afford that, but thanks for the info!" To be fair, I've had some large medical bills this last year that I put on a regular Amex card. The charges totaled 8.5k, but I knew I would be refunded through insurance within a couple months. I was, and I paid my balance off on my 0% APR card within 8 weeks. This is probably why they feel I am worthy of buying a Honda Accord with my platinum, even though my monthly spend on the cards is only ~2500 (which I don't roll and pay off.)
I have a Delta Reserve SkyMiles card that I've had less than a year and I got when I had a job that had lots of regular flying. That card *does* have a credit limit, but it also has a 'Check Spending Power' button in the app. When I first got it, I tried it out and was able to go a bit over my credit limit. I tried it just now and was 'partially approved' for .... the remainer of my available credit. :-P
Not once have I had the opportunity to use it for a flight and take advantage of the miles or the lounge access/upgrades/etc. A few months after I got the card, COVID-18 happened and the next company trip was cancelled, and then I was one of the victims of massive layoffs due to COVID-19 - and my new job doesn't have any travel :-P
I had that card, too. When COVID hit, I downgraded it to the Blue card. Not paying $550/year for zero benefit.
Now they are closing accounts out for no reason..
I have heard famous RUclips personalities say they were contacted and had to do a Financial Review with American Express after they were playing with the "Check My Spending Power" tool and he said NOT a good idea to do that.
Yeah that was Ask Sebby. But what is the worst that can happen? They ask me to send my tax returns and I sent it
We need to talk 🤣😂🤣 lol that was too funny just happened to me 😡
Just got the Gold a month ago. Tried to hit the Sign Up Bonus. I hit up to 3,000$ until it got declined and I found my hidden limit They said everyone has the same credit limit cap for the first month. I wonder if anyone else has had similiar sitiation .
I have 1000$ credit card limit and I got a 500$ charge card limit , how do you explain that?
So, I just got my Amex Gold on yesterday and since they do not have any data on m outside of the amount that was put on my application, how much should I spend in my first month to make certain that I have a good spending limit?
@@CheekyBird790 Thank you!
“She” is me! 🤗
Charge card!
Hi, Shifu! Please make a video about how to start your RUclips channel during quarantine and tax deductions for RUclipsrs
Tao's restaurant is about 17 miles from me. When are we hanging out Mr. Shifu? :)
Adventures with Corey wait that’s illegal
@@scarroll625 not if we are 6 feet apart....... duuhhhhhhh
Make no sense to say you don’t have spending limits ! It’s like they are fixing it so you spend to build up a spend limit
This video is from years ago, not accurate info now
Some interesting things I found over many years. One was the plum card they seem to let companies spend more on it not just with me but other I know, even more than on a centurion or platinum.
It's like they give more spending power to users with the Plum card. Another odd thing is spending over million on platinum or plum seen people not get an invite to centurion but then seen someone get a centurion with spending less then 200k have low credit not wealthy by any stretch.
Seen some do a lot of returns affect spending power in both ways as if no rime or reason, some are doing it to get around paying that mouth. example if your due for 10k and u have available more you can buy some things for 10k return it and apply the return credit and not have a bill that mouth.
Another thing was randomly getting cut with no reason, credit was really good just nothing made sense even prepay took mouths for them to adjust things, seeing odd things like that are confusing. The list goes on and on for me and many others around me.
Thanks.
Did anyone else catch the interest rate on that HYSA from Marcus?
I went online as I wanted to see it a payment of £2000 would go thorough it said no, I decrease it 3 times near the amount I really wanted to spend but triggered the two many uses scenario. Tried the following day and it stated that they may consider??? Yesterday I got a letter stating they have reduced my limit to £900.00 on my charge card. I will be canceling it a month before I get charge the annual charge cos what use if the a limit of £900 to me.
Your the best...
keep up the good videos
I hope you enjoy your financial review.
Thanks for the great video 👍🏼
Should I let my balances register on my statement every month to help my limits go up or is it still smart to pay off balances to low amounts prior to statements coming out on the charge cards?
I remember getting those account emails before I completely paid my card off.
got a message today that my spending limit is now set at $10k on my platinum card
Have they kept it at that amount or did they return it to no preset?
@@mcm5264 they kept it at that amount.
Is this for personal or business accounts? Or both
hairbyshaundatv both
both, but it varies depending on people, you will see in the video, you may not be affected much
Do you have to allow the balance to sit for the full billing cycle for this to work? I use my CCs instead of cash or debit card and pay them off every 2 weeks. If I treated an AMEX charge card this way, would it keep my available purchase power low?
THIS!!!. This is what I need to know. I try ro keep all of my STATEMENT balances low. but it doesn't seem like it is beneficial with the charge cards
Booooo!!!
You should’ve did $1 more than the 3x amount to fully confirm the theory
True, although I think that theory is really only a rough guide. Since they take into account other factors like your annual income.
The Credit Shifu thanks for replying! You’re definitely right. I was a little preoccupied when I was sending that, so it sorta came off a bit snarky lol. Wasn’t meant to be.
How to update income in the Amex system
Pre set only. Not unlimited money.
My Business Platinum and personal Gold Amex went from 30k each to 5k.😒
Neal Glover yea it’s crazy man. I mean I get it they’re trying to reduce their exposure due to the market turmoil. But shouldn’t penalize long loyal and trust worthy clients.
I did 5000 in oct and my limit is 3000 correction 4000
But my highest limit from Amex was 25k
I'm curious as to whether the limit would be per card or in total across charge cards? Say i have a gold and a green and average 1200 on the gold and 200 on the green monthly, would the theoretical limit on both potentially be 1400 * 3 each or would the gold be 1200 * 3 and the green 200 * 3 or would it possibly be a combined limit across both be 1400 * 3.
Also does having high AMEX credit card limits sitting mostly unused affect any charge card limits? I have 4 AMEX credit cards with limits I completely forget but are each easily over 10k and I hardly hit them. Would it be reasonable to assume that I could expect that the charge cards could possibly be tied to the overall credit limit set for me by AMEX in total so maybe $30k -$40k hitting my gold card would be no problem especially with no increase in spending on the credit cards?
If I had say $75k sitting in a high yield AMEX savings account, can they see that and take it into account?
Does having well in excess of 100k in credit limits from Chase cards with average utilization in the 3% range and paid off in full every month be something they can see and take into account?
So many questions on this topic. Love and hate the mystery of "THE AMEX ALGORITHM". Cue spooky music.
As of now I have not been notified by or noticed anything from any issuer concerning any of my cards limits. Not particularly worried about it either. I could easily take limit cuts of 50% or more on every card and still not have to worry about utilization hits to credit. Can also easily pass financial review as I have never fudged anything. Honesty is the best policy and helps you sleep at night.
Another thing I find interesting is that when logging into my Amex account I get constantly hit with things like loan offers and I have noticed the pre-approved loan amounts will fluctuate wildly (like by 10's of thousands of dollars up and down over a few months) for no apparent reason. Wonder if that is tied to constant reviews or just random marketing.
yup Amx is ruthless, you all watch out!
I received the same “spending limit” email on my Amex Gold. 😔
When are you coming to the UK? You have some fans here(me)
maybe in the summer, if UK lets us come, not sure what lockdown conditions they have in place. I don't want to get there and then get told to stay in a house for 14 days or something
The Credit Shifu would love too see a video on how the US cards have more better offers than our UK Amex cards and how other countries Amex cards fair against each other, the UK get a much lower sign up bonus and no 4x on supermarkets 😥
I recently got my first Amex. Is paying off charges prior to the statement period ending a bad idea? I've been paying them off the day after they post.
I know this super late, but I recently had this question myself. From what I've found it's better to leave the balance until it shows on your next billing statement bc that's what's reported to the credit bureau. At that point, you can pay the balance before your due date if you choose.
@Chill Will So basically they determine your spending habits based on what's reported to the credit beaurus not your registered transactions within their company themselves on a monthly basis?. I pay down all of my balances to SUPer low amounts prior to statements closing.
Love this channel
One of my credit cards fell off the 5/24 rule on May 15th and I applied for a chase card on May 19th. My application is currently under review. If I do happen to get denied can I call the reconsideration chase number? Do you think they might reconsider my application?
So if the gold cards annual fee is 295 up i spend like 1k, will I have to pay 1k or will I still pay 295?
If they close my accounts and ruin my credit I’ll file for bankruptcy... they’ve lowered my spending limit!
Financial Reviews incoming!!!!
Weird. I just opened a platinum Card 2 weeks ago and put a $11k Charge on it no problem. My spending limit has only gone up
How much do you spend on it every month?
When you mentioned youtube algorithm, I was really expecting a Graham Stephan style “SMASH THE LIKE BUTTON FOR THE RUclips ALGORITHM”
When ru making the video about when you receive your review after just triggering it 😂
With amrican express credit card do you think is best to get for a invitation to get the black card
I don’t understand what you are asking, can you rephrase the question?
Amex is the most overrated card there is. Unlike a visa or Mastercard, it's not accepted everywhere. It use to mean something but not anymore.
Their customer services is still the best. Video coming out tomorrow about that. And in the US they are accepted at most places
Crazy stuff
My PRG limit has gone up.
wow i wanna know is shifu in your user name the meaning in ancient china or from Kung Fu？
My charge card lowered my charge card
First
Looks like Linus tech tips
Were you actually thinking when you did this you know AMEX checks these and you could get risked to having your account closed down. Ben gets blacklisted by AMEX that would be a great video to 😂🤣
Eating Sexually🤣
Hsbc..is doing it also…check it out///////
It seams you don’t know what your talking about....
seems................
You’re late!😂
😂
Idk why people like Amex so much their cards suck compared to chase network
Their customer service and insurance etc is the best.
A woman, or a man texting you... ;)
First!