AMEX Canada spending patterns that get you in trouble?
Mar 20, 2018, 9:49 pm
#16
A FlyerTalk Posting Legend
Join Date: Apr 2013
Location: PHX
Programs: AS 75K; UA 1MM; Hyatt Globalist; Marriott LTP; Hilton Diamond (Aspire)
Posts: 56,455
I suspect there are details missing here. I have a colleague with similar spend patterns on the Chase Marriott card for years (sponsored events at Marriott properties) and he's had no issues whatsoever.
Apr 9, 2018, 4:45 pm
#17
Original Poster
Join Date: Mar 2018
Programs: Marriot, SPG, Aeroplan
Posts: 10
Given all the feedback I got a few weeks ago I applied for and got a business card.
Mark
- Are they any unwritten rules around their use? This is especially interesting since I wasn't asked my business income but rather my personal income. Unsurprising the business makes more money than its owners.
- Interesting thing the original personal card has an insane credit limit (well north of $15K), the business card has a limit of under $10K. Is this normal?
Mark
Apr 9, 2018, 6:11 pm
#18
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,955
Nonetheless it is true that Business credit cards are issued to individuals, not companies, and the issuer is primarily interested in your personal creditworthiness. You are personally responsible for the debt.
There is no particular relationship between the size of personal and business card credit limits, but there is a maximum amount of credit that American Express will want to extend to any individual.
Apr 9, 2018, 6:14 pm
#19
Original Poster
Join Date: Mar 2018
Programs: Marriot, SPG, Aeroplan
Posts: 10
@mia - thanks again for the quick reply. Being Canadian I applied in Canada and wasn't asked business income. As long as there no funky, unwritten rules - I will just roll with it, spend a lot on events and see what happens.
Cheers
Mark
Cheers
Mark
Apr 9, 2018, 6:23 pm
#20
Join Date: Sep 2008
Posts: 7,875
The only kind of trouble you are going to get from your Amex SPG is if you spend over hundred thousand dollars at a strip club and dispute the charge it. 'Scores' Lawsuit over $241,000 tab settled - Mar. 8, 2006 Amex lets me go over my SPG credit line all the time and I pay in full.
Apr 9, 2018, 6:33 pm
#21
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,955
Apr 10, 2018, 6:34 am
#23
Moderator
Join Date: Jun 2003
Location: Miami, Mpls & London
Programs: AA & Marriott Perpetual Platinum; DL & HH Gold
Posts: 48,955
I have edited the thread title to mention Canada, and this should attract responses from Canadian members. If not, I will try another approach later in the week.
Apr 24, 2018, 7:54 pm
#25
Join Date: Feb 2013
Location: Canada
Programs: Marriott Plat premier, Visa Infinite, Amex Plat
Posts: 14
This is true. Chase has cancelled all Marriott credit cards in Canada. I went through the same thing last fall. No one would tell me anything.
Just left us hanging.
Just left us hanging.
Apr 25, 2018, 12:31 am
#26
Join Date: Apr 2005
Programs: Starwood:Lifetime Platinum, Air Canada:Basic, Asiana:Lifetime Diamond Plus, ANA: Basic
Posts: 980
My experience is NOT to pay anyone that is blood related to you (parents, children, relatives) with your AMEX. There are some anti-money laundry rules and tax evasion rules that AMEX take seriously.