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@youngandcreditwrthy wrote:
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!!!!
Have you ever seen one of those burgers left out for an entire year. It doesn't change. That means, if I eat enough of it, I will absorb the non-aging chemicals in it and stay young looking. Much cheaper than all those fancy creams women buy
But. yes Amex makes a majority of their money off fee's. Amex has higher merchant fee's than most other CCC's which is why some places do not accept Amex cards.
Amex is a CCC that would rather you pay in full (hence their popular line of charge cards) . Amex prefers financially stable clients hence them being strict with approvals.
I used 50% of the CL (average) for the first 2 months and just got approved for the full 3x CLI.So looks like it def varies according to each cardholder. Either way, I think high util and using it as daily card has better odds of approval than just charging minimum on it.
@youngandcreditwrthy wrote:
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!!!!
It's called the Blue Cash Everyday. Use it for your everyday spending. Mine started out at a $2,000 limit and I ran it up to the limit in the first month. Paid in full and got the sign-up bonus the next month.
YMMV but I barely used my BCP the first two months and received a hefty 3X cli regardless. I spent maybe 100 bucks each month on the BCP and the rest of my spending on the green card for MR points. I called in and asked about the 150.00 statement credit for spending, and while that offer wasn't available they did give me a 100.00 statement credit immediately which was great. Spending on the card doesn't really seem to factor into the CLI decision as much as it may seem. Amex does want financially stable customers who use their products though.