Originally Posted by johnxkrn (Post 26353104)

Hi all,

Just applied for AMEX SPG PERSONAL and got approved... BUT $1000 credit limit...... ... limit. Never got this low expect the chase freedom I applied in college.

I have about $3000 worth of airplane spending i need to do.. would it be okay if I spend $1000, pay it off, do it again for the remaining $2000 even if the statement does not close in the first month? I really want to get this spending requirement done and also book my flights. The reason for asking this is because I saw some threads where if I do that, AMEX gonna blacklist you or something.. which I don't understand why.. I am spending the money and I am paying them off.. not sure what the big deals are here

Originally Posted by nkling (Post 26359507)

Have the personal card for many years, I am thinking applying the business card. I would still get the bonus for business if I apply, right?

Originally Posted by DealAddict (Post 26363897)

.Do AMEX in the US extend these promos normally

Originally Posted by slickvik (Post 26363988)

I have direct deposit set up for SPG to go to United. If I got the AMEX would the 35,000 point go direct to United, or is that only possible for points earned from actual stays?

Originally Posted by Stgermainparis (Post 26364282)

So you want to save up to 20k before transferring.

Originally Posted by mia (Post 26364342)

United Airlines is an exception. If you use the Direct Deposit feature Starpoints transfer 1:1 to UA. If you accumulate Starpoints and manually transfer to UA the ratio is 2:1. (20,000 = 12,500)

Originally Posted by MVF Trekker (Post 26357691)

But you can apply for other cards from Amex which can have other bonuses or promotions.

Originally Posted by bamba70 (Post 26358226)

When I initially got my SPG card it had a fairly low limit but I just went ahead and used it until getting declined; I was able to charge up to 2.5x or so of the credit limit before transactions got declined (which only then got accompanied by an email informing me that I'm hitting the limit). Then I'd pay it partially off and continue charging. It was the business version, but I don't see a reason why it would be different for the personal card.
In short, it seems that the amex limit is a very soft limit.

Originally Posted by corpgator (Post 26377799)

Be careful and check your statements. You're probably being hit with hefty overlimit fees.