Originally Posted by
tommy14
Are you referring to Amex Personal Savings online? If I've got 20K sitting there, you think that makes a difference? They tie the CC and savings account by SS#? Yes, personal savings online. I have deposited more than my total credit lines with AMEX, so I think you're good with 20k when your CL is at 10k. They definitely have an insight into FSB when evaluating credit risk.
Any issues with thousands spent at CVS....they don't catch on? - not yet I match the profile though
I want that to be true but I don't know how we would get more data on it.
About how much do you spend at CVS per month? 5K, 10K, 20K? I might believe the savings account is considered if someone put like 50K in an AMEX savings account and then used an AMEX card for 20K per month at CVS for 6 consecutive months without getting FR. I think there still might be a trigger for amount of spend in a type of store, say 20k per month at a drug store, even if your credit limit on the card is 80K and your income is 200K.