topic Re: AMEX Cards in Credit Cards

AMEX Cards

corymcd88 — Wed, 07 May 2014 02:46:47 GMT

I was wondering How many AMEX can you have? I have three and two AU. Do the CL of the AU count for my CL max? People have said 29k max. the AU card are 10k each and my one card is 1k.

Re: AMEX Cards

myjourney — Wed, 07 May 2014 02:52:51 GMT

4 revolvers with Amex

Re: AMEX Cards

ecxpa — Wed, 07 May 2014 02:55:55 GMT

I'm trying to get ONE revolver......

Re: AMEX Cards

corymcd88 — Wed, 07 May 2014 02:56:11 GMT

@myjourney wrote:
4 revolvers with Amex

I have two charge, one revolvers. The AU are both revolvers.

Re: AMEX Cards

dearppl — Wed, 07 May 2014 13:37:33 GMT

Just one. Thinking about getting the Amex Delta.

Re: AMEX Cards

Fico2Go — Wed, 07 May 2014 16:25:46 GMT

Currently have BC and BCP revolver, and one PRG.

As soon as time permits I will be reallocating CL from BCP to my BC and close down the BCP. My BC and PRG seem to be working well side by side.

Re: AMEX Cards

tryingagain62 — Thu, 08 May 2014 01:53:23 GMT

I have a Green, PRG,a Everyday, and a BCE card.

Re: AMEX Cards

Creditaddict — Thu, 08 May 2014 02:08:27 GMT

@myjourney wrote:
4 revolvers with Amex

that doesn't include business revolvers either!

Re: AMEX Cards

Josh2942 — Thu, 08 May 2014 02:10:03 GMT

I have two charge and a revolver

Re: AMEX Cards

myjourney — Thu, 08 May 2014 02:16:24 GMT

@Creditaddict wrote:
@myjourney wrote:
4 revolvers with Amex
that doesn't include business revolvers either!

Correct totally different entity

Re: AMEX Cards

Stralem — Thu, 08 May 2014 02:40:23 GMT

This is as good a place as any to ask, so...

What's the appeal of having multiple Amex charge cards?

Re: AMEX Cards

peaceonearth — Thu, 08 May 2014 02:52:34 GMT

@Josh2942 wrote:
I have two charge and a revolver

I see all the three and they do look nice. The Green is my favorite.

Re: AMEX Cards

Legen_dary — Thu, 08 May 2014 04:26:59 GMT

At this point if you fly Delta often, it might be worth it to get a Plat, and a PRG to buy stuff on?

Re: AMEX Cards

Revelate — Thu, 08 May 2014 06:31:56 GMT

@Stralem wrote:
This is as good a place as any to ask, so...

What's the appeal of having multiple Amex charge cards?

Rewards acceleration and benefits.

For example it was common for any serious Amex MR user who frequents this and a few other forums to pick up a Zync just for this reason alone.

The same could be said for the PRG which offers a different rewards set / benefits than the Plat as I understand it from reading various bits here. Doing something like Green/Gold doesn't make any sense, but other combinations potentially do. Currently there's backdating to consider as well, as the number of charge cards IIRC is tracked seperately from the revolvers; I believe it's 4 and 4 on personal or at least it used to be... I might be in a place some years or decades from now where it makes sense to ask for the Senior Green card for a minimal AF and however many years backdate to 2012 in my case even if I keep the Zync all that time which I intend to if I can.

Re: AMEX Cards

takeshi74 — Thu, 08 May 2014 13:25:59 GMT

@corymcd88 wrote:
I have three and two AU. Do the CL of the AU count for my CL max?

Not sure what you mean. AU's are users of your card account. They don't have their own CL's. You can restrict how much they can use but the total CL of a given card is whatever your CL is for that card.

@corymcd88 wrote:
People have said 29k max.

29K max for what? 29K isn't an absolute limit. Plenty have much higher limits. I'm at 44K total.

@Stralem wrote:
This is as good a place as any to ask, so...

What's the appeal of having multiple Amex charge cards?

Really should be its own thread. Appeal varies regardless of the card(s) in question. Look the card(s) and see if it's/they're a good fit. None of them suit me so I don't have any.

Re: AMEX Cards

OHWWCB — Sun, 06 Jul 2014 05:25:25 GMT

@Revelate wrote:
@Stralem wrote:
This is as good a place as any to ask, so...

What's the appeal of having multiple Amex charge cards?
Rewards acceleration and benefits.

For example it was common for any serious Amex MR user who frequents this and a few other forums to pick up a Zync just for this reason alone.

The same could be said for the PRG which offers a different rewards set / benefits than the Plat as I understand it from reading various bits here. Doing something like Green/Gold doesn't make any sense, but other combinations potentially do. Currently there's backdating to consider as well, as the number of charge cards IIRC is tracked seperately from the revolvers; I believe it's 4 and 4 on personal or at least it used to be... I might be in a place some years or decades from now where it makes sense to ask for the Senior Green card for a minimal AF and however many years backdate to 2012 in my case even if I keep the Zync all that time which I intend to if I can.

What is backdating?

Re: AMEX Cards

dallasjetfan — Sun, 06 Jul 2014 06:12:14 GMT

I was just approved for Blue Cash and I need to see what I was approved for. If not high enough CL then I will close. I won't accept small CL's anymore. I also won't go through Financial reviews. I don't have to do it with any other CCC so not doing it with Amex.

Re: AMEX Cards

09Lexie — Sun, 06 Jul 2014 08:36:18 GMT

@OHWWCB wrote:
@Revelate wrote:
@Stralem wrote:
This is as good a place as any to ask, so...

What's the appeal of having multiple Amex charge cards?
Rewards acceleration and benefits.

For example it was common for any serious Amex MR user who frequents this and a few other forums to pick up a Zync just for this reason alone.

The same could be said for the PRG which offers a different rewards set / benefits than the Plat as I understand it from reading various bits here. Doing something like Green/Gold doesn't make any sense, but other combinations potentially do. Currently there's backdating to consider as well, as the number of charge cards IIRC is tracked seperately from the revolvers; I believe it's 4 and 4 on personal or at least it used to be... I might be in a place some years or decades from now where it makes sense to ask for the Senior Green card for a minimal AF and however many years backdate to 2012 in my case even if I keep the Zync all that time which I intend to if I can.
What is backdating?

Once you lock in your MSD (Member Since Date) the year of subsequent cc's will reflect your MSD. Additional cc's*, will reflect the month of THAT card and the year of your MSD.

If you are a primary cardholder, your CR's will be backdated as well. Amex recently changed their policy to exclude the CR backdating for ACMs - when you become a primary, your CR's would be backdated for YOUR new cc.

*personal cards - business cards it's a YMMV

Re: AMEX Cards

09Lexie — Sun, 06 Jul 2014 08:37:35 GMT

@dallasjetfan wrote:
I was just approved for Blue Cash and I need to see what I was approved for. If not high enough CL then I will close. I won't accept small CL's anymore. I also won't go through Financial reviews. I don't have to do it with any other CCC so not doing it with Amex.
Although that is your perogative but are you aware of their 3x CLI policy?

Re: AMEX Cards

nachoslibres — Sun, 06 Jul 2014 11:26:01 GMT

I have 0. Will probably stay that way for a long time.