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I have an American Express Platinum Card with the credit limit. I pay my bill every month in full. I had an unexpected expense pop up. But I am up to my limit on my American Express. This is closing date the 14th. When will I be able to charge again?

BobbyScon
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Rachel Brinkhoff
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    Isn't Amex Platinum a charge card? – xiaomy Apr 13 '17 at 20:31
  • Will you not be able to pay the balance before the closing date? If not you'll get hit with late fees and interest that you'll need to pay off before you can pay down enough principal to charge again. – D Stanley Apr 13 '17 at 20:33
  • Yes it is a charge card the closing date changes – Rachel Brinkhoff Apr 13 '17 at 20:33
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    @RachelBrinkhoff I don't own one but I believe charge card does not have an explicit limit. – xiaomy Apr 13 '17 at 20:34
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    Call American Express. You're a Platinum member, they will be very nice to you. Amex has some thing called pay over time for charge card holders, where I think they let you roll part of your balance in to a credit facility freeing up your charge card for regular activities. Call and talk to them. – quid Apr 13 '17 at 20:54
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    @quid is correct here. Call American Express and talk to them. For extraordinary expenses they should be willing to temporarily up the limit for you. Their customer service is outstanding and easy to work with. – zeta-band Apr 13 '17 at 20:59
  • It is a misconception that charge cards have "no limit". True that there isn't a limit in writing, however, that means that you could have a "limit" of a dollar or a million dollars. – Michael Apr 13 '17 at 22:13
  • @DStanley - closing date means the bill hasn't been cut yet, no late fee, no interest. 14th me and current charges won't bo due till 5/7 soonest. – JTP - Apologise to Monica Apr 13 '17 at 22:24

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To answer your question: When will I be able to charge again?

After you pay your bill, then you'll be able to charge again. But as the comments have pointed out, if you call American Express, assuming you have had a good relationship with them, they should be able to approve a transaction if you let them know ahead of time (even if it's 10 minutes) and the amount.

Michael
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