Big deal about AMEX??? I am still learning =)

[myjourney]

1 Backdating 

2 3X CLI's

3 apply for another card with a SP..HP if approved then see backdating again

4 World class customer service

5 Great when disputing purchases

6 A little Statutes ...you have arrived in prime land 

[tntexans72]

You can always get a Visa, MC or Discover card...but eventually you would want an Amex in your wallet. It took me a while but I apped for my 1st Amex in 2011. I have use Amex alot more than my other cards or anywhere that would accept an Amex.

[Anonymous]

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@tntexans72 wrote:

You can always get a Visa, MC or Discover card...but eventually you would want an Amex in your wallet. It took me a while but I apped for my 1st Amex in 2011. I have use Amex alot more than my other cards or anywhere that would accept an Amex.

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I think the OP's question was about why is this true: "you would want an Amex in your wallet".  So do you use yours more because of better rewards, higher CL, better protection?

Personally, I use mine, a BCP, in the same way as other cards, when it maximizes the rewards for that purchase.  So I use it for the first $6K spend at groceries in a year, then SD it till next year.    Probably my fifth or sixth most used card, way behind my top two.

[CreditScholar]

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@myjourney wrote:

1 Backdating 

2 3X CLI's

3 apply for another card with a SP..HP if approved then see backdating again

4 World class customer service

5 Great when disputing purchases

6 A little Statutes ...you have arrived in prime land 

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1, 3, 5 are definitely true, although you can find 2, 4 and 6 in non-Amex products as well.

I think Amex is (to an extent) living off of it's repuation. While it's still a good/solid lender, the majority of the general population believe it to be more exclusive than it really is. There is a definite disconnect between perception and reality among many.

[myjourney]

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@CreditScholar wrote:

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@myjourney wrote:

1 Backdating 

2 3X CLI's

3 apply for another card with a SP..HP if approved then see backdating again

4 World class customer service

5 Great when disputing purchases

6 A little Statutes ...you have arrived in prime land 

---

1, 3, 5 are definitely true, although you can find 2, 4 and 6 in non-Amex products as well.

I think Amex is (to an extent) living off of it's repuation. While it's still a good/solid lender, the majority of the general population believe it to be more exclusive than it really is. There is a definite disconnect between perception and reality among many.

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Hi CreditScholar

I would agree with living off a reputation and the general population has no clue it's not as hard to get as one would think ....Thank you My Fico because we know better Lol