Ive always wondered, and im sure there a few out there who do, if there are individuals who wouldnt care about AF and have the card(s) just to have. I mean many people , myself included, often buy certain things without caring of the costs. They just buy move on and not worry. I could see this happening for some if they just want to have a Plat.
For me and my income , $500 is alot ( im sure for many as well ) . But if i were making alot of money, that might not be the case. Sure i know rewards, etc. But i just wonder how many in joe q public would do it.
For me and my income , $500 is alot ( im sure for many as well ) . But if i were making alot of money, that might not be the case. Sure i know rewards, etc. But i just wonder how many in joe q public would do it.
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Ive always wondered, and im sure there a few out there who do, if there are individuals who wouldnt care about AF and have the card(s) just to have. I mean many people , myself included, often buy certain things without caring of the costs. They just buy move on and not worry. I could see this happening for some if they just want to have a Plat.
For me and my income , $500 is alot ( im sure for many as well ) . But if i were making alot of money, that might not be the case. Sure i know rewards, etc. But i just wonder how many in joe q public would do it.
Probably a lot. After all, if most consumers really made a point to use the benefits, it likely wouldn't be very profitable for AMEX.
I got the PRG from an Amex preapproval on the "offers" section when my score was around 665 EX. A month later they sent me a mailer (75k MR points for $5k spend) for the Amex Plat, and I was approved with a 657 EX score. All my Amex approvals after the first card Amex ED have been a soft pull.
Getting the Amex ED was not easy I wasted 3 hard pulls to get it because I hadn't found this forum, yet. I tried with UTIL at 33% and 665 score, and they denied me. I lowered my UTIL to 8% and my score when up to 671, and they denied for the same reasons since I applied again without waiting until everything reported correctly. The third time they gave me the card without a bonus, the $1k SL and their version of the credit steps. I wish I had found this forum before taking that offer and applying but live and learn.
The PRG I was using for the 2X at restaurants, but then Discover had that same month the 5% at restaurants, and this card got SD. Honestly, I don't use it that much. It has a POT of 30K with 19% APR, but I don't use that either so I might cancel it. I got it because I didn't think I could get a Plat until my scores where around 700.
My advice go for the card you want! I use my Amex Plat for everything and especially for travel and take advantage of the Uber credit and all the benefits the card provides which is why I don't mind the annual fee.
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Ive always wondered, and im sure there a few out there who do, if there are individuals who wouldnt care about AF and have the card(s) just to have. I mean many people , myself included, often buy certain things without caring of the costs. They just buy move on and not worry. I could see this happening for some if they just want to have a Plat.
For me and my income , $500 is alot ( im sure for many as well ) . But if i were making alot of money, that might not be the case. Sure i know rewards, etc. But i just wonder how many in joe q public would do it.
I'm in that income boat too. Unless i had a 0% bt offer when i could get the card, i'd most likely not hit the spend bonus. The AF is crazy high, and i dont know that the perks would really offset the cost for me at all, but at the same time i have paid way more for things i really wanted and didnt have any buyers remorse because i really wanted it.
What's to say i got it, had the BT offer so i could hit the spend, and maybe used the travel credit that year since i knew i had it to use.. i dont uber, but maybe try ubereats? Its one of those things that i dont know that i would gain as much from having it, but whats to say that i might start once i had those options?
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?? You don't have a single Marriott or Ritz Carlton hotel near you?
You don't fly with one of their 30+ airline partners? You don't use Amtrak?
I have a marriot across the street, but if i'm going to staycation, i'll do it at home 
I used to fly twice a year, but in the last 10 years i've been on a plane once. Now once i have a travel credit to use, i might fly more. I am not sure of the conversion rate yet, but i could always convert my MR's into delta and add into my 36-37k something i have there as well.