Regular Contributor
tylaw13
Posts: 173
Registered: ‎06-28-2012
Re: Amex BCE usage

youngandcreditwrthy wrote:
I had the same one for FIVE years from Dillard's ( black with a few slots and money clip) and just recently bought a coach one similarly styled but with just like two spots for cred cards... It was .... Only $30!!!! Score! Got it at Allen Premium Outlets in Texas :-D

I'll make it my sole card of use, then dependent on the cli, go from there as it is a lower limit card that I have. I might use it for my rental car this weekend! Hahaha!

funny i just ordered a new wallet because my current wallet bends my cards. i really dont need room for my debit cards because i never use them but my new wallet has more then enough card slots. it took me awhile to find the wallet i wanted too. i thought it was kinda weird that i was putting so much thought into what wallet would be best because usually i just pick any bifold i come across when my other wallet rips

EQ FICO - 725 (9/11/13) TU FICO - 724 (6/27/13) EX FICO (6/30/13) 755 AMEX
Im my wallet - Cap1 Platinum MC(2000) Chase Freedom(1500) AMEX BCE (7000) Discover IT (8000) CSP (15000) Cal Coast CU (8000)
Regular Contributor
tylaw13
Posts: 173
Registered: ‎06-28-2012
Re: Amex BCE usage

Cdnewmanpac wrote:

jd5189 wrote:

Really just use the card. If you usually use other cards, maybe put some of the spending you do on the others onto the BCE for a couple of months. I usually charged everything, but instead of using the charge card, I just used the BCE and put about 1.5k on it this month which is my normal spending I did on my Zync or PRG.


+1. Use the card, pay it off, repeat. Do not revolve a balance. Amex is still a charge company at heart and will never penalize younfor pif. 


i agree with him. and why would they want you to carry a balance in the 0% intro period. PIF unless you really cant for some reason

 

EQ FICO - 725 (9/11/13) TU FICO - 724 (6/27/13) EX FICO (6/30/13) 755 AMEX
Im my wallet - Cap1 Platinum MC(2000) Chase Freedom(1500) AMEX BCE (7000) Discover IT (8000) CSP (15000) Cal Coast CU (8000)
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
Re: Amex BCE usage
Lol!!! I wanted one of those big ones to put all my cards in, but my main fear was *drum rolll* what if I'm dashing out of someone's car into a club... Or running to the bar next door... Or out one night... And $70k+ of cred falls out of my skinny jean pockets, then I'm ***********!!! hahha esp with no id!
So the small one with a couple cards and ids will suffice...
I keep my debit on me in case I need cash, but that's a veeerrrrryyyyyyyy rare occasion. Debit doesn't get me cash back baby!! Lol :-P
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Regular Contributor
tylaw13
Posts: 173
Registered: ‎06-28-2012
Re: Amex BCE usage

the wallet i ordered is a normal size bi-fold heres the link lol

 

http://www.amazon.com/Alpine-Swiss-Mens-Leather-Wallet/dp/B004M6UD46/ref=sr_1_1?ie=UTF8&qid=13492283...

 

i was thinking about this one but where would i put all my receipts?!!?!

 

http://www.amazon.com/Royce-Leather-Wallet-Outside-Pocket/dp/B0009WMGZQ/ref=sr_1_5?s=apparel&ie=UTF8...

EQ FICO - 725 (9/11/13) TU FICO - 724 (6/27/13) EX FICO (6/30/13) 755 AMEX
Im my wallet - Cap1 Platinum MC(2000) Chase Freedom(1500) AMEX BCE (7000) Discover IT (8000) CSP (15000) Cal Coast CU (8000)
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
Re: Amex BCE usage
I like the second one better lol!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
Re: Amex BCE usage
Yeah I'll prob just pif. And I'll only use it any nicer places (wine bars or neiman's) so they don't try to aa me based on that type of usage. Remember hearing in 08 that they were aa'ing ppl based on WHERE they were using their cards?!? Eeekk!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012
Re: Amex BCE usage

youngandcreditwrthy wrote:
Yeah I'll prob just pif. And I'll only use it any nicer places (wine bars or neiman's) so they don't try to aa me based on that type of usage. Remember hearing in 08 that they were aa'ing ppl based on WHERE they were using their cards?!? Eeekk!!

LMAO that is BS! I use my Amex cards anywhere and everywhere Amex is accepted. McD's - Check. Beer store - Check. Parking meters - Check. Some crazy boardwalk store - Check. You take Amex, I'm swiping it.

Amex could really care less where you use it. They are making $$$ either way. As long as you are spending (and paying) Amex is happy!

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
Re: Amex BCE usage
Lol!! I just don't wanna upset the credit gods Hahahha but given that advice by I feel assured to blow up that Amex everywhere!! Heheheh

Mcd's is bad for your health btw!!!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
jsucool76
Posts: 3,770
Registered: ‎12-11-2011
Re: Amex BCE usage
Youngandcreditworthy

If you're talking about the people who got their accounts closed for shopping at walmart, it ended up being because they had a subprime mortgage from a lender who had tons of issues.
;
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
Re: Amex BCE usage
Just curious btw, if I don't pay interest... How do they make money? Merchant fees?
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k