We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

AMEX help

Joannef_2
Joannef_2 Posts: 342 Forumite
in Credit cards
Can someone help me work out what's going on with my balance please.

I have a £3,000.00 credit limit and I spent £3,000.00 exactly on Friday morning. It is showing my available credit as -£16.00 :confused: . Does anyone know why this could be? I have checked and it is fine to spend the exact amount of your credit limit and it wasn't for a balance transfer, it was a normal purchase so it isn't fees.

Thanks

Comments

  • lisyloo
    lisyloo Posts: 30,094 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I would suggest calling the number on the back of your AMEX card.
    They are a UK call center and have been pretty helpful.

    Could this be Payment protection insurance?
    We can only really speculate on a few possibilities, so you really need to call them, or sign up on-line to check transactions.
  • jonesMUFCforever
    jonesMUFCforever Posts: 28,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Does this card carry a fee at all?
  • Joannef_2
    Joannef_2 Posts: 342 Forumite
    No fee according to the website. I've tried phoning them but they don't know what it is!
  • jonesMUFCforever
    jonesMUFCforever Posts: 28,898 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Could the merchant have charged you extra for using the card?
  • Joannef_2
    Joannef_2 Posts: 342 Forumite
    jonesMUFCforever wrote: »
    Could the merchant have charged you extra for using the card?

    They shouldn't have done. Well I hope they didn't as they didn't inform me when I was purchasing at the counter. It was for my train season ticket (£3,000.00) which I pay for every year by credit card. I tried AMEX by phone again tonight but they still don't know what it is for!
  • Kavanne
    Kavanne Posts: 5,093 Forumite
    Sorry to Hijack but what kind of season ticket is three THOUSAND pounds?!?!?!?
    Kavanne
    Nuns! Nuns! Reverse!
    'I do my job, do you do yours?'
  • Joannef_2
    Joannef_2 Posts: 342 Forumite
    Kavanne wrote: »
    Sorry to Hijack but what kind of season ticket is three THOUSAND pounds?!?!?!?
    One where you live in town not that far from London but where First Capital Connect are the only train operators so can charge their rip-off fares as people have no other option. The season ticket fare including underground/bus ticket is £4,100.00!
  • NickX
    NickX Posts: 3,046 Forumite
    Kavanne wrote: »
    Sorry to Hijack but what kind of season ticket is three THOUSAND pounds?!?!?!?

    Think about it - its not that much.

    £3000 for a year of travel. Say you work 40 weeks or the year, this is 200 days, so £15 per day.

    Thats cheap for train fares into London. I've paid £200 for one return journey before now.
This discussion has been closed.
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.5K Banking & Borrowing
  • 253.7K Reduce Debt & Boost Income
  • 454.5K Spending & Discounts
  • 245.5K Work, Benefits & Business
  • 601.4K Mortgages, Homes & Bills
  • 177.6K Life & Family
  • 259.4K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture