I was on a business trip last week. I got to my (prepaid) hotel. I tried to check in. My American Express card was declined. Oh, I thought, this must be related to their security policy. I hadn't been travelling much before I took this new job, so a month or so ago, Amex froze my account because they suspected unauthorized activity. When I called and verified the charges, they thawed it.
So, I used a debit card to check in, went up to my room, and called customer service.
Seems that even though my payments on this card are current (actually, I made the last payment before the charges were billed), they have capped my spending at $1000. Unfortunately, I had charged $1000 on the airfare and hotel room and conference registration for this trip.
So I found out painfully what American Express means by "no preset spending limit." It means that they can change the limit at any time. According to Joseph #445i82 (not his real ID), because I had a history of late payments, they will not allow me to charge more than that until I have paid on time for six months. I also found out that "Cardmember since 1984" means nothing, nada, zilch, if you've had payment problems.
How can I argue with that? I was very late on my payments when my husband was out of work. I have caught up. I now use this card (or was planning to) exclusively for reimbursable business travel so I don't end up driving up credit card balances and using the reimbursement money for living expenses. I guess I need a plan B.
Polly's Pointers:
1. Submit expense reports for prepaid business travel as soon as they are charged--don't wait until after the trip. You can do another expense report for cash expenses when you get back.
2. Late payments have a lasting effect. :(
3. Try to get a company charge card so business travel doesn't affect your personal finances.
4. Always have a backup credit card.
Walmart Video Game Return Policy
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Walmart Video Game Return Policy In 2022 [Updated!] Walmart Inc. Walmart’s
current logo since 2008 Walmart Home Office (headquarters) in December 2012
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2 years ago
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