Ok here is my question.....i,ve two acc... Citi simplicity and amex prg cards . I,m thinking to do all my spendings on the prg card and cover the bl from my citi card . On citi i have 18 mo %0 bt and 18 mo %0 APR . The reason i,m asking is i wanna do some activiti on a Both acc . I can move around 10-15 k a mo... And will pay citi acc in full every mo . IS This good idea or not ??? I,m new in credit .....and any adv...will be Appreciate it 
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The two primary problems I see is that you can not ensure when the balance transfer to Citi will actually take place and this may mean that your AMEX is not paid in full by the due date and also if there is a balance transfer fee with Citi then even at the 0% interest rate you are still paying something more than what you would have anyway.
I guess I'm not really sure what you are hoping to accomplish with your plan. It seems as if you are making things unnecessarily complicated maybe in the quest for rewards points with AMEX?
Starting Score: 500's
Thx for reaplaying to my post Yes that i was thinkinkg to ask how long is Gonna take bt process between those two banks, i dont Wanna miss my Due day on amex . This was supposed to be my second question lol Yes HoldingOntoHope is cuse of points pUrpose .
Yes that i was thinkinkg to ask how long is Gonna take bt process between those two banks, i dont Wanna miss my Due day on amex . This was supposed to be my second question lol Yes HoldingOntoHope is cuse of points pUrpose .