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Amer Ex charge card vs revolver

Super Contributor

Re: Amer Ex charge card vs revolver

Think it was June 14th or 19th expiration


09Lexie wrote:
@myjourney

Will your invitation still be good?



Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 11 of 20
Moderator Emerita

Re: Amer Ex charge card vs revolver

Message 12 of 20
Super Contributor

Re: Amer Ex charge card vs revolver


09Lexie wrote:
@myjourney

Sounds like a plan!

Smiley Wink

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 13 of 20
Frequent Contributor

Re: Amer Ex charge card vs revolver

Are there benefits to a charge card vs credit card?
Message 14 of 20
Moderator Emerita
Message 15 of 20
Valued Contributor

Re: Amer Ex charge card vs revolver


cottoncrown wrote:
Are there benefits to a charge card vs credit card?

There sure are.

1. You can charge a lot more on a charge card than CCs. I've charged more on Amex than all my other card CLs added together.

2. Balances report but don't affect your FICO scores. When I did the above and let it report it made not a whit of difference to my FICO score.

3. And the last thing is that you can pay right up to the day before your next statement cuts without it being late, though they do suggest you pay within 2 weeks.


I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

WM Discover $1800, WF Plat 12k, Chase Freedom Siggy18k, Amex Plat (60k H/B), Citi AA EWMC 25k
Message 16 of 20
Established Contributor

Re: Amer Ex charge card vs revolver


cottoncrown wrote:
Are there benefits to a charge card vs credit card?

Def depends on how you want to use it and if you UTL the rewards. I USED to use my amex for everything, but I found better rewards in using my CSP. So now I barely spend anything on my Amex and put everything on my Chase cards. Smiley Sad

 

I really wanted to build my relationship with Amex a lot more, but I'm just not captivated by their rewards anymore :-/

Chase Sapphire Reserve-10k
Chase Freedom-4k
1st Financial Bank USA-11.4k
USAA Amex-7.5k
USAA Visa Sig-7k
Citi Thank you Preferred-4.8k
Citi Diamond-2k
Amex Gold-NPSL

FICO8-11/2017
EX: 737
EQ: 722
TU: 735
Message 17 of 20
Frequent Contributor

Re: Amer Ex charge card vs revolver

Is there a no fee Alex charge card? I couldn't find one. This sounds like it might be good for car rentals and such.
Message 18 of 20
Frequent Contributor

Re: Amer Ex charge card vs revolver

*amex
Message 19 of 20
Frequent Contributor

Re: Amer Ex charge card vs revolver

That is correct ... Getting a Amex charge card basic one like green and gold is quite easy ... However on another hand getting a revolve one is bit difficult .. I have below cards list as of now from amex ...

Amex green
Amex Zync
Amex blue
Amex blue cash every day
Amex Costco
And I am AU on Amex gold and BCE.

I applied for Amex blue sky yesterday and waiting for a decision ...

These days they have made more strict rules for revolve or lending card products than a charge card ...

Good luck to you and let me know in case you are looking for specific info
USBank Cash+(14K)/Penfed Rewards Visa Sigg (25K)/ Penfed Promise card (5K)/ Penfed Amex Travel Rewards card(20K)/AMEX ZYNC (NPSL)/AMEX Startwood(9K)/AMEX COSTCO(5K)/AMEX EVERY DAY (10K)/AMEX HILTON HONOURS (8K)/CHASE FREEDOM(4K)/Chase Salte(12K)/AMEX Fidelity Investments(7.5K)/BOA Better Balance Rewards(5K)/BoA Travel Signature Card (10K)/BoA rewards cards (15K)/AMEX MACYS(6K)/Barclaycard Rewards(3K)/Salie Mea (5K)/DISCOVER IT(7K)/ DCU VISA Platinum Card(7.5K)/PAYPAL MASTER CARD(8K)/GAP(4.5K)/US Bank Flex Rewards (6K)/ Best Buy (4k)/Gymbore Visa card(6K)/ TARGET(600)/CHILDREN PLACE(900)/WALMART DISCOVER(8K)/TOY R US MASTER CARD(8K)/JCP(4K)/KOHLS(400)– Total 31 Cards
Message 20 of 20