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nikoisms wrote:
I have a low debt to credit ratio, 5% but I have $100,200 of available credit (15 open credit cards). I have had credit for almost 20 years and have a good score (mortgage loan in good standing, no default accounts or recent late payments). I still was declined for an AMEX card "too many accounts open" and "too much available credit." Is it better to cancel the credit cards or lower the available balance?
Regardless of AMEX's decision, is the number of availabe credit or number of credit card's affect my FICO score or credit viability?
with amex gold, you can wait for layovers in the VIP lounge at the airports
@Anonymous wrote:with amex gold, you can wait for layovers in the VIP lounge at the airports
Nope, not with Amex Gold, only with Amex Platinum, I have AMEX Gold and they keep trying to get me to move to Platinum but I don't fly enough to justify the additional annual fee. If my job involved lots more travel, which I am glad it does not, then Platinum might be worth the fee.