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American Express allows charge through above credit limit

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I couldn't see an Amex thread so I wasn't sure where to post this.



I have an Amex credit card with a £5k credit limit and yesterday I was £200 over that limit.


I have been in India for a few months and have been in dispute with a Hotel since I checked out on the 5th October.


They had my Amex details from my reservation, but I had used an HSBC card to settle part of the bill during my stay.


The Hotel have finally got fedup dealing with me and have charged £2700 to my Amex card, which Amex have approved.


So, my current balance is now £7900 against a £5000 credit limit.


In my T&C's Amex say that they may allow transactions above the credit limit to go through without it being regarded as a credit limit increase.


I am awaiting a response from Amex, but I am arguing that they should never just allow a transaction through that was 54% of my existing credit limit, when I was already over my limit, and in doing so they are effectively extending £2700 of credit to me that I have not asked for.


Also, of course, as my actual limit is still £5000, my minimum payment required in December is now close to £3000 in order to bring my account back under the limit!!!


I'd appreciate any advice anyone has in how to deal with this.

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Did you tell Amex about the dispute ?

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Did you tell Amex about the dispute ?


Hi, yes I did tell them because I saw that the charge was "pending" on my account - my understanding was that the charge had been approved by Amex but not actually charged to the account. Amex told me that they routinely allow charges to go through - for example at petrol stations, if you are over your limit.


They said that there was nothing they could do, even though I was telling them that I did not want this charge to be allowed through onto my account.


They said that I can dispute the charge once it shows on the account, but that leaves me in a weaker position with the hotel. And actually it's a different issue. My argument is that Amex shouldn't allow me to go 54% over my credit limit without consultation.

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