Some credit cards I pay in full, I carry over debt under 3% utilization. But I am working on paying everything off so i don't have to be paying the interest anymore.
I usually keep my balance low all the time like I’ll only have maybe $600 max balance on a $6200 limit so I fear getting the Amex card without a limit if I consistently have $600 balance it’ll think that will be my max then I’d have to spend less than $600 each month to have good utilization rate
Got platinum yesterday after getting sapphire preferred, and Hilton surpass just two weeks ago. Plus I’m only 20 for anyone who feels like there not old enough.
Hello. I believe it depends. I have couple of AmEx cards and I agree with Sebby when it comes to it does not makes sense to have a Charge card and pay it overtime. At least for me I don't see the point. The only one I would do it is on my Business Plat just because I can play with the budget at hand. I only use the Pay It Later feature in the case of an emergency and never let the charge go past 2 months. I always pay it before the 45 day mark.
What about on time payments does having a charge card help with your credit score because you are paying the full balance on time. Well it help make your score increase each month?
Why are charge cards so rare nowadays? I think with young people so afraid to take on credit card debt these days, because they saw their parents generation drown in CC debt, a charge card marketed to young people could be a big hit (I know Amex already tried but I think it’s worth trying again).
KP V I have a gold amex card and im 19, most of my friends just dont care about credit at all, i try to make them get a new cc so i can get referral bonuses but they just seem to be ok with their debit card
KP V same I’m 18 and just applied yesterday for the Amex Gold card with a credit score of 746 and was accepted really fast, probably due to the fact I was an authorized user on my sisters previous Amex card and always paid that card in full
Hey I have question I have an Amex gold card. I love the fact that I’ve improved snd polished my credit enough to get the card. It is a premium luxury travel card and I like that feeling when I go to pay for something. My question is, is there a premium luxury card out there, for the everyday user, to maximize my everyday purchases? I know this is kind of child but I like that metal feeling of my AMEX. Can’t tell you how many ppl have said wow I like ur card(Amex Gold)!
Ur informative videos have helped me tremendously on my credit journey and for that I thank u. My question is, do charge cards affect chase’s 5/24 rule or no because they are not credit cards? Thanks in advance.
Do you feel having a loan of $6,000. (Never late, or missed) And a score of 690 and credit history over 6 years with no lates or missed payments could get the gold card?
Robert G I did the product change from business green to business gold right on the second day I was approved for the green card( not even received the green card ), so it really doesn’t matter how long you can do the product change
Hey guys! I’m not sure if this question has been answered but with anyone who has a Amex gold card or Amex card in general, does it help to improve your credit score? I am someone who’s using an Amex card as a 2nd card and has a good credit history but want to increase my credit score
676 Transunion score 20k income 6 months of credit history my only other card is a capital one secured increased to $500 credit limit I also had 5 inquiries before hand
I swear people get the green card because it's appearance is basically a slice of Capitalism Americana, that design has so much history. The 25,000 MR sign up bonus is just OK considering the long term benefits. But man does it look cool, opened mine for the bonus with AMEX and am hanging on to it simply because I think it looks cool in my wallet. A good sidekick to my other revolvers.
I’m in the same boat, I like credit cards and the variations but I am biased towards Amex. I enjoy them and get a lot of value from using their cards. Question : I’m also a fan of Amex labeled gifts, where is a good place to find Amex gifts and specialty items ?
Hey nice Video I started with the Amex Gold Like to get the Annual Blue Perferr as a second card then Move onto the platinum card My Annual fee should be around $1K give or take . That be the start of my Amex Trifecta
Seb, does Amex review your business experience score at all or it’s just PG score and that’s it? I got a prequalify platinum but I have an old charge off that falls off in December. 720 score but I don’t want to get denied because of that charge off. You think it still matters or I just wait till end of year
Amex platinum charged their membership fee on my statement date and reported it today. Now I have $700 balance. Will this impact my score??? I'm super nervous!
I was approved for the American Express Gold card in December. I used it the next month & the $250.00 membership fee was on my statement due the following month, so yes. LOVE the card!!!
Hey I have the gold card my question is do they report to the credit bureau‘s on the statement date like a credit card or can you pay before your due date and not hurt your credit score
I was declined for the blue cash back card on March 5 applied for platinum on the 16th and was approved. They tend to at wait at least 30 days but depends on your credit history i believe.
Funny how I came across this video posted today! I actually called Amex about the Platinum. The rep didn’t seem to know any answers to the questions with credit card vs charge card. What if I charge on my way to Europe staying there for month? Can I pay when I get back? Or is it imperative that Amex expects a payment in full? I have the Chase Sapphire and like that it is a credit card. Just trying to see the value in the Platinum. The $550 a year is quite a bit - yikes!
Payment in full. Given that you can do most things online, that would be the expectation. Only apply if positive expected value. Here's a calculator: www.asksebby.com/blog/is-the-550-amex-platinum-worth-it
I started with the blue card then the every day card and then they invited me, when I got the card in the mail I was nervous because of the presentation I was like "what did I get myself into" but it's not bad at all
Celena Sinclair my credit score went down after getting it but its because ive been opening a lot of credit cards lately, it will probably go down if you have a lot of accounts
Hi Sebby, question, so I just got the amex platinum and my closing date was Nov 22nd and says due date Dec 18th, so can I pay until Dec 18th to avoid interest or should I've paid in full before the 22nd? Thanks in advance.
What happens if I apply for an American Express and my credit is 660 and I apply with my partner and her credit score is 780 would my credit score go up?
I have a question about building credit with my Amex card. I pay whatever my balance is at the the time every few days. Is that good, bad or pointless? I want to maximize building my credit but at same time I do not want to carry any balances longer than needed. I use my Amex for everything instead of my debit card to maximize points which is why I like to pay off quickly. I do not want to treat it like a charge or credit card. Thanks in advance for any insight!
Sebby, how do I move from the AMEX Platinum card to the AMEX Schwab card? Can I downgrade the Vanilla Platinum card to the AMEX Green? Is that a better choice than simply canceling?
You would have to apply separately. Either cancel or downgrade the vanilla Platinum. I would only downgrade if you've never received the Green bonus (once you downgrade, you can't get that bonus since you "have or have had it in the past"). TLDR: Cancel if you haven't had Green/Gold in past Downgrade if you have (maybe 2 Gold cards?)
So what could one do to improve credit score short term if I only have charge card? Does the strat mentioned in your short term vid (prepay balance down to $1 still works with charge card, even though there’s no max? Many thanks!
Nope. I guess you're technically at 0% utilization. As long as your payments get reported, I'm guessing it should be fine. I'd probably add more cards in the long-term anyways to build out a base.
Ask Sebby Yes, definitely looking to expand my base. Learned a lot about credit management from watching your vids!! I will potentially have refinance activity in the next 12 months, so I’m hesitant to apply for new cards, even though the new Hyatt one looks tempting. I’ll try your consultation when I’m ready :)
My question is, under what circumstances would it be better for someone starting out /for anyone really to prioritize getting amex cards before the chase trifecta / 5/24 cards?
Hey Sebby, I've a question. I'm from Mexico, there I have the Amex platinum, but I've just moved to the US because I got a really good job offer. So I'm planning to do a Global Transfer with Amex as I don't have credit history in the US. Would you recommend me to apply for the platinum card or a regular credit card to better build my credit history here? The good part of the global transfer is that they consider my Foreign credit score which is really good.
I'm ready to apply for a charge card by American express. I am nervous because of a charge off on my credit report and I'm also closing on a mortgage. When would be the best time to apply?
Lets say I have 4 cards. My highest in credit limit and the longest in credit history was canceled. 30 years of credit history and 10000 dollars credit limit. How big of a loss is that on the fico score?
I have separate spreadsheets for both that you can play with... CSR: www.asksebby.com/blog/chase-sapphire-preferred-vs-chase-sapphire-reserve-which-one-should-you-apply-for Platinum: www.asksebby.com/blog/is-the-550-amex-platinum-worth-it
Hello Sebastian, I have a targeted offer for the Amex PRG card. 50000 MR points for 1000 dollars of spend during the 1st 3 months. I already have the chase cards, CSR, and the SPG card. I spend most of my time overseas so I don't think the US specific bonus categories would do me any good. Shouldept this offer?
So if I'm relatively new to the credit game (about 7 months) and I have the Cap one Quicksilver AMD the Discover it, does getting the AMEX everyday card make sense just to establish a credit history with them? I do plan on getting the Plat eventually
I would focus on Chase 5/24 cards first, otherwise it's easy to get locked out of their system: www.asksebby.com/blog/the-definitive-guide-to-the-chase-5-24-rule
Are Amex charge cards disappearing? Here in the UK Amex has just changed the gold card from a charge card to a credit card, the only charge cards are the green and platinum or centurion
What card do you recommend for someone who spends a lot of money on shopping in outlet malls? I buy inventory for my business with a monthly spend of $100k+. Thanks in advance!
What will happen if I can't pay full amount for charge cards? If I don't pay in full, credit card will also charge interest, I don't see any difference yet.
you'll also get a phone call politely inquiring as to whether you've forgotten something. And then your account will be reported as a 30-day late which will totally bork your credit score for some time.
Likely shutdown / blacklist as well long-term. Depending on the amount, I've heard of them sending someone to your house to see what's going on, whether you're still alive.
Might be a stupid question but if i set auto pay to full amount for a charge card ( the lowest is 15 days after statement close) do i still have to pay again to make the balance 0 until the statement closes again?
You should be fine? I would STRONGLY recommend double checking with charge cards though. The last thing you want is to get a shutdown/blacklist. I do a lot of credit card stuff (payment, tracking, etc.) while watching RUclips/shows :)
![[DOKKAN BATTLE] Worldwide Campaign Announcement Video Part 2!](http://i.ytimg.com/vi/JpT5Voak6WA/mqdefault.jpg)
Hey man! I have been watching you and the credit shifu for some time and I am happy to say I just hit the 800 score today! XD
Ovi congrats!!
thank you!
Congratulations~
Time to make that $800 pay some dividends
Some credit cards I pay in full, I carry over debt under 3% utilization. But I am working on paying everything off so i don't have to be paying the interest anymore.
Daddy Sebby doesn’t even take Father’s Day off and he’s got 55k children.
Charge cards really make it easy to keep track of ur spending and really force u spend less than u make I love my Amex gold
I usually keep my balance low all the time like I’ll only have maybe $600 max balance on a $6200 limit so I fear getting the Amex card without a limit if I consistently have $600 balance it’ll think that will be my max then I’d have to spend less than $600 each month to have good utilization rate
Got the Platinum with no history with Amex and high 700s credit score
Anthony B How did you have a credit score but no history?
@@Nancy-jp3gp exactly! please clarify?
@@ManWithNoName. He means, he has other credit cards, not Amex. Like he had Visa and Mastercard, but not American express cards
I want the amex blue everyday but I'm scared to apply.. it will crush me if I get denied.. but I want it so bad
@@Nancy-jp3gp he got the card with no history with AMEX meaning he’s never done business with American Express
Got platinum yesterday after getting sapphire preferred, and Hilton surpass just two weeks ago. Plus I’m only 20 for anyone who feels like there not old enough.
LoL I use my Credit Card like a Charge Card 😂 Now I have the the Platinum
Hello. I believe it depends. I have couple of AmEx cards and I agree with Sebby when it comes to it does not makes sense to have a Charge card and pay it overtime. At least for me I don't see the point. The only one I would do it is on my Business Plat just because I can play with the budget at hand. I only use the Pay It Later feature in the case of an emergency and never let the charge go past 2 months. I always pay it before the 45 day mark.
So, in short, charge cards do not affect your credit score or utilization. I've wondered this for a long time.
+ total accounts (long-term good)
- AAoA (bad short-term; long-term good)
+ inquiries (bad short-term and then disappears)
What about on time payments does having a charge card help with your credit score because you are paying the full balance on time. Well it help make your score increase each month?
I started with the platinum, but will probably get the PRG and cancel the plat at the end of this year.
Makes sense.
I read a rumor about the AmEx Green getting some love by March 2019 to make it more desirable. Any news on this yet?
Green Card has 25k sign up bonus after 1k spent in 3 months. Not too bad.
I recieved an offer for the gold card for 1k spend and 50k points.
Why are charge cards so rare nowadays? I think with young people so afraid to take on credit card debt these days, because they saw their parents generation drown in CC debt, a charge card marketed to young people could be a big hit (I know Amex already tried but I think it’s worth trying again).
KP V I have a gold amex card and im 19, most of my friends just dont care about credit at all, i try to make them get a new cc so i can get referral bonuses but they just seem to be ok with their debit card
Cris how did you get the gold Amex card at 19????
How did you get it at 19? What did you do at 18?
KP V same I’m 18 and just applied yesterday for the Amex Gold card with a credit score of 746 and was accepted really fast, probably due to the fact I was an authorized user on my sisters previous Amex card and always paid that card in full
My aunt gave me a gold card when I turned 18, didn't know that was weird. Is it different as a gift? I didn't apply for it myself.
Hey I have question I have an Amex gold card. I love the fact that I’ve improved snd polished my credit enough to get the card. It is a premium luxury travel card and I like that feeling when I go to pay for something. My question is, is there a premium luxury card out there, for the everyday user, to maximize my everyday purchases? I know this is kind of child but I like that metal feeling of my AMEX. Can’t tell you how many ppl have said wow I like ur card(Amex Gold)!
The only premium cards that will give you more maximization for everyday purchases is the AMEX platinum or the Centurium.
I had the green for 1 year and when the annual fee hit I changed it to another prg for now. To get the airline credit again.
Ur informative videos have helped me tremendously on my credit journey and for that I thank u. My question is, do charge cards affect chase’s 5/24 rule or no because they are not credit cards? Thanks in advance.
jerome dobson that is a way good question but I'm pretty sure it still does effect the 5/24
Yes. Still counts as a credit account: www.asksebby.com/blog/the-definitive-guide-to-the-chase-5-24-rule
Do you feel having a loan of $6,000. (Never late, or missed) And a score of 690 and credit history over 6 years with no lates or missed payments could get the gold card?
Yes...go for it
I finally got approved for a prg card 😬. Just waiting in the mail for it and then ima cancel my green card
Why wouldn't you just product change so you don't have a closed account?
Chris Ryan I had it for less than a year so they wouldn’t let me product change
Robert G I did the product change from business green to business gold right on the second day I was approved for the green card( not even received the green card ), so it really doesn’t matter how long you can do the product change
Hey guys! I’m not sure if this question has been answered but with anyone who has a Amex gold card or Amex card in general, does it help to improve your credit score?
I am someone who’s using an Amex card as a 2nd card and has a good credit history but want to increase my credit score
Does adding authorized users to Amex Platinum card help them build there credit? Or would you recommend adding them to a standard credit card?
I’m glad they changed that charge card utilization because the old model seems way unfair.
So when you pay your card off every month faithfully, does that improve your credit?
676 Transunion score 20k income 6 months of credit history my only other card is a capital one secured increased to $500 credit limit I also had 5 inquiries before hand
I swear people get the green card because it's appearance is basically a slice of Capitalism Americana, that design has so much history. The 25,000 MR sign up bonus is just OK considering the long term benefits. But man does it look cool, opened mine for the bonus with AMEX and am hanging on to it simply because I think it looks cool in my wallet. A good sidekick to my other revolvers.
It seems like charge cards utilization shows up on credit report but paying it off doesn't change credit score. Is that a correct observation?
Right on Sebby. I like that. Get a anchor AmEx card with no annual fee. I'll apply next mo after I pay my 1st month with the AF card.
Thanks Sebby for answering my question about charge cards and how it affects credit scores.
I’m in the same boat, I like credit cards and the variations but I am biased towards Amex. I enjoy them and get a lot of value from using their cards. Question :
I’m also a fan of Amex labeled gifts, where is a good place to find Amex gifts and specialty items ?
But , what about when the hard injury is added to your credit? How did adding this affect your credit?
If you have a decent base / score, inquiries are a 1-4 point hit. Immaterial in the grand scheme given how they drop off eventually.
Hey nice Video
I started with the Amex Gold
Like to get the Annual Blue Perferr as a second card then
Move onto the platinum card
My Annual fee should be around $1K give or take . That be the start of my Amex Trifecta
Anyone still using the AMEX Zync?? I still have mine.
Seb, does Amex review your business experience score at all or it’s just PG score and that’s it? I got a prequalify platinum but I have an old charge off that falls off in December. 720 score but I don’t want to get denied because of that charge off. You think it still matters or I just wait till end of year
Amex platinum charged their membership fee on my statement date and reported it today. Now I have $700 balance. Will this impact my score??? I'm super nervous!
Doesn't getting a charge card also impact average age of accounts and also hits for score lookups?
I wish you can do a video on the quick silver capital one cards.
It's not a competitive card: ruclips.net/video/C1wzCdntfj8/видео.html
I just got a amex gold card im a owner of a truck ..dump question but does the membership fee start as soon you activate card ?
I was approved for the American Express Gold card in December. I used it the next month & the $250.00 membership fee was on my statement due the following month, so yes. LOVE the card!!!
my question is, the amex gold report credit to the 3 bureau?
Hey I have the gold card my question is do they report to the credit bureau‘s on the statement date like a credit card or can you pay before your due date and not hurt your credit score
How often can you/should you apply for a charge? I just applied for Amex card 3-4 days ago and was planning on applying for a different card today
I was declined for the blue cash back card on March 5 applied for platinum on the 16th and was approved. They tend to at wait at least 30 days but depends on your credit history i believe.
Funny how I came across this video posted today!
I actually called Amex about the Platinum. The rep didn’t seem to know any answers to the questions with credit card vs charge card.
What if I charge on my way to Europe staying there for month? Can I pay when I get back? Or is it imperative that Amex expects a payment in full? I have the Chase Sapphire and like that it is a credit card. Just trying to see the value in the Platinum. The $550 a year is quite a bit - yikes!
Payment in full. Given that you can do most things online, that would be the expectation.
Only apply if positive expected value. Here's a calculator: www.asksebby.com/blog/is-the-550-amex-platinum-worth-it
Great informative info as always. Thank you!
I started with the blue card then the every day card and then they invited me, when I got the card in the mail I was nervous because of the presentation I was like "what did I get myself into" but it's not bad at all
Thanks for the information!!
when talking about utilization it's all credit cards or each individual?
Both. Don't take any individual card over 30%. And don't let your total utilization of all available credit combined go over 30% either.
If you upgrade your green card to Platinum will it require another credit check?
No
So will a charge card help increase your score or doesn’t do much for your score?
Celena Sinclair my credit score went down after getting it but its because ive been opening a lot of credit cards lately, it will probably go down if you have a lot of accounts
And it will not affect your total credit availability too like sebby mentioned
Cris thank you!
+ total accounts (long-term good)
- AAoA (bad short-term; long-term good)
+ inquiries (bad short-term and then disappears)
Hey man ! Love your channel , I have Amex gold and would like to pay my rent here in Sweden , would you know how can I do that ?
Hi Sebby, question, so I just got the amex platinum and my closing date was Nov 22nd and says due date Dec 18th, so can I pay until Dec 18th to avoid interest or should I've paid in full before the 22nd? Thanks in advance.
What happens if I apply for an American Express and my credit is 660 and I apply with my partner and her credit score is 780 would my credit score go up?
What about cancelling/closing charge cards?
Awesome video really helped me understand!
Thank you for this video
I have a question about building credit with my Amex card. I pay whatever my balance is at the the time every few days. Is that good, bad or pointless? I want to maximize building my credit but at same time I do not want to carry any balances longer than needed. I use my Amex for everything instead of my debit card to maximize points which is why I like to pay off quickly. I do not want to treat it like a charge or credit card. Thanks in advance for any insight!
I have the same question ....
Will it ding my credit report like when I open a credit card?
Great info thank you so much!!
So this won’t raise my credit score by upping my available credit?
Toxic this was my question too.
Sebby, how do I move from the AMEX Platinum card to the AMEX Schwab card? Can I downgrade the Vanilla Platinum card to the AMEX Green? Is that a better choice than simply canceling?
You would have to apply separately. Either cancel or downgrade the vanilla Platinum. I would only downgrade if you've never received the Green bonus (once you downgrade, you can't get that bonus since you "have or have had it in the past").
TLDR:
Cancel if you haven't had Green/Gold in past
Downgrade if you have (maybe 2 Gold cards?)
Interesting. Thank you.
Let's figure this thing out Sebby
Do you offer a points consultation?
So what could one do to improve credit score short term if I only have charge card? Does the strat mentioned in your short term vid (prepay balance down to $1 still works with charge card, even though there’s no max? Many thanks!
Nope. I guess you're technically at 0% utilization. As long as your payments get reported, I'm guessing it should be fine. I'd probably add more cards in the long-term anyways to build out a base.
Ask Sebby Yes, definitely looking to expand my base. Learned a lot about credit management from watching your vids!! I will potentially have refinance activity in the next 12 months, so I’m hesitant to apply for new cards, even though the new Hyatt one looks tempting. I’ll try your consultation when I’m ready :)
Hi Sebby, I have the green card and the prg card? Should I cancel the green card?
No right answer: ruclips.net/video/DwbNkymBjpc/видео.html
My question is, under what circumstances would it be better for someone starting out /for anyone really to prioritize getting amex cards before the chase trifecta / 5/24 cards?
Only if you're blacklisted by Amex (in my opinion anyways): www.asksebby.com/free-card-consultation/
Hey Sebby, I've a question.
I'm from Mexico, there I have the Amex platinum, but I've just moved to the US because I got a really good job offer. So I'm planning to do a Global Transfer with Amex as I don't have credit history in the US. Would you recommend me to apply for the platinum card or a regular credit card to better build my credit history here?
The good part of the global transfer is that they consider my Foreign credit score which is really good.
I got approved with a 670 credit score for the gold card but I don’t know if my income is a big factor. I also have 2 collations on my credit
lol
I'm ready to apply for a charge card by American express. I am nervous because of a charge off on my credit report and I'm also closing on a mortgage. When would be the best time to apply?
Close on the mortgage first. That should be the priority.
. ok. I trust your opinion
How does using the pay over time feature with Amex affect your credit?
No affect AFAIK.
Lets say I have 4 cards. My highest in credit limit and the longest in credit history was canceled. 30 years of credit history and 10000 dollars credit limit. How big of a loss is that on the fico score?
Depends on a lot of factors. Your score is likely fine for 7 years though for AAoA. Utilization will be hit right away.
Hi. Can you make a spreadsheet comparing Amex platinum Vs CSR(chase sapphire reserve)?
I have separate spreadsheets for both that you can play with...
CSR: www.asksebby.com/blog/chase-sapphire-preferred-vs-chase-sapphire-reserve-which-one-should-you-apply-for
Platinum: www.asksebby.com/blog/is-the-550-amex-platinum-worth-it
Eu quero!
What if you cancel a charge card, how does that effect your credit.
I'd imagine there's no decrease in your available credit and if you closed in good standing, you'd have those positive records for 7 years (or 10?)
Hello Sebastian, I have a targeted offer for the Amex PRG card. 50000 MR points for 1000 dollars of spend during the 1st 3 months. I already have the chase cards, CSR, and the SPG card. I spend most of my time overseas so I don't think the US specific bonus categories would do me any good. Shouldept this offer?
www.asksebby.com/free-card-consultation/
So if I'm relatively new to the credit game (about 7 months) and I have the Cap one Quicksilver AMD the Discover it, does getting the AMEX everyday card make sense just to establish a credit history with them? I do plan on getting the Plat eventually
I would focus on Chase 5/24 cards first, otherwise it's easy to get locked out of their system: www.asksebby.com/blog/the-definitive-guide-to-the-chase-5-24-rule
Can you make a video wellfergo propel Amx with all Amx on benefits.
Amex Propel: ruclips.net/video/8WFDrYbRJss/видео.html
Awesome video Sebby!
Are Amex charge cards disappearing? Here in the UK Amex has just changed the gold card from a charge card to a credit card, the only charge cards are the green and platinum or centurion
I heard Amex did that in Mexico, now its Amex Gold Credit Card, strange
What card do you recommend for someone who spends a lot of money on shopping in outlet malls? I buy inventory for my business with a monthly spend of $100k+. Thanks in advance!
www.asksebby.com/free-card-consultation/
Ask Sebby thank you so much Sebby, I submitted the form. I look forward to your reply.
What will happen if I can't pay full amount for charge cards? If I don't pay in full, credit card will also charge interest, I don't see any difference yet.
you'll also get a phone call politely inquiring as to whether you've forgotten something. And then your account will be reported as a 30-day late which will totally bork your credit score for some time.
Likely shutdown / blacklist as well long-term.
Depending on the amount, I've heard of them sending someone to your house to see what's going on, whether you're still alive.
Do charge cards count towards 5/24?
Brandon Avila, yes they do. Being an Authorized user also counts.
Sebby, make longer videos so you can put more ads, so we can get you more MULA for trips
I don’t like the green card but the only reason I would get it is because of the sign up bounces
Discussed here if you want some strategy (upgrade is probably an interesting approach towards end game): ruclips.net/video/EwJjZvQa1JQ/видео.html
Might be a stupid question but if i set auto pay to full amount for a charge card ( the lowest is 15 days after statement close) do i still have to pay again to make the balance 0 until the statement closes again?
You should be fine? I would STRONGLY recommend double checking with charge cards though. The last thing you want is to get a shutdown/blacklist.
I do a lot of credit card stuff (payment, tracking, etc.) while watching RUclips/shows :)
Can you downgrade a Amex Platium card to a EveryDay Preferred card without affecting credit score?
David W Amex plat is charge card everyday preferred is credit card. Two different products. Only downgrades available for PRG or Amex green card.
Nope. Charge vs. credit: www.asksebby.com/blog/american-express-product-change-rules