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Amex is a strange bird also. Case in point is I have a BCE, with a starting SL of 10k that they 3x'ed. Got an invitation to app for the Magnet when it came out, scores across the board about 10pts higher (720's) than they were when I got the BCE, and I have a utilization of 0%. I run a lot of $ across the BCE but always pay before the statement date. The SL on the new Magnet card was $1k. Go figure.