**ONLY** IF YOU HAVE BEEN F/R'D BY AMEX

[shifter]

But don't worry. I don't check this 7 times a day like you.

[Cappy]

But don't worry. I don't check this 7 times a day like you.

Lol. Thanks for remembering

[Omnipotent]

I have a BCP sitting at $10,400/$20,000 due to the 0% APR promotion. I was floating $3,000 on returns that I have not made yet. Amex sees this as a jump where I spent $3,000 from my previous month. I have a MB Platinum sitting at $2,500. The first month I made about $1,000 out of $2,500 including the AF (comforters and dress shoes) in returns after the statement printed. A did recieve a call from the charge card department a couple of days after my statement printed reminding me that my payment was due and offered the chance to set up a payment then and there over the phone. She explained how this was customary for a charge card just to make sure the consumer understands exactly what it is. I paid the full balance on the day I agreed I would. I did not make a payment or set up one through the agent, I just set up the payment on my own. The BCP looked like -$3,000 for arguments sake.

 

Due to my noob status at manufactured spending, my Sallie Mae reported with a $3,000 balance higher than the previous month. My Citi AAdvantage with a $1,300 balance. I also took $5,000 from my Freedom for a Chase Ink. This part looked like -$9,300 on top of the -$3,000 for a total of -$12,300.

 

During my lovely chat with the F/R agent, he questioned if my general merchandise statement on my BCP were gift card transactions. They were actually suits I bought but due to the merchant code assigned to the shop it rung up otherwise. I did however manufacture spend $1,000 of the $2,500 balance on the MB Platinum. He didn't know this.

 

He also questioned why I was returning so many items. I explained how I loathe the hassle and time that goes into trying an item at the store. If I like it I buy it. If I don't like it enough to keep it I return it. This also made me think that due to me returning the comforters/shoes after the statement printed on my MB Platinum, Amex may see this as my realization that I spend more than I can handle and I need to lower the balance so I can successfully make the full payment for the month. ,

 

Some of this may be theory, but the numbers are against me. I completely overlooked the reporting aspect and how it would affect me.

Edited March 8, 2014 by Omnipotent

[Omnipotent]

Edit:

 

The second month is when I manufactured $1k but the balance was $2,600, not $2,500.

 

Also, the general merchandise transactions on my BCP that the rep brought up where purchases over the last 3-4 months. 4 transactions at an average of $900 each.