Carrying a balance on a new Amex?

[Coldness]

I'm currently in a situation where I'd like to float a balance over to next month due to some unexpected expenses. Nothing huge - a couple hundred bucks that would be paid in full later on. I'd really prefer to do this over dipping in to my savings.

Normally, I wouldn't think twice, but... I'm tempted to do it on my brand new Amex BCE. See, it's got 0% for 6 months. But at the same time, I want to up my limit on this card rapidly and don't want to freak out Amex. 

Has anyone ever taken advantage of their 6-12 month 0% offers and lived to tell the story? I mean, I can't see why they would offer it if they see it in a negative light when someone uses it, but... it's Amex, so who knows. This would be floating a balance on its very first statement. I do have a perfect payment history on my Zync (and every other line on my report). 

I have my local credit union Visa at 8% to fall back on (so, like, $2 of interest tops for this one month) if anyone has any horror stories to share about this. 

[Anonymous]

You should be good. The general unoffical rule is to pif by 3 months.

[Anonymous]

I'd think you should be fine.  Carrying a few hundred for one month won't be any big deal.

[clocktick]

You can carry a balance on any revolver card.  If the card, Amex or other, is offering 0% - even better!  I really wouldn't worry.

[android01]

Don't be afraid of using your credit card for what it was intended.  It's pointless to have any credit card if you are afraid to use it! 

[LS2982]

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@clocktick wrote:

You can carry a balance on any revolver card.  If the card, Amex or other, is offering 0% - even better!  I really wouldn't worry.

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I agree!

They wouldn't offer it if they didn't want you to use it when you need it!

[Anonymous]

That is no big deal at all. The thing they really dont like is having someone running up near limits and or transfering in other debt up near limits, on a new card and floating that. Use them like they were meant to be used and dont worry about the small stuff.

[DrJim]

I have an AMEX revolver (Gold Skymiles) that I have carried over balances from time to time.  Over the last year they took me from $2K to $6K to $18K.  No worries!

[Coldness]

Thanks!

I'm only worried because it's mostly just daily purchases I've thrown on it plus a bill or two, so I don't want to seem unwilling to pay off such things immediately. This card (or rather, the original Blue Cash) was my goal when I started establishing credit, so I don't want to ruin my chances of getting a better APR / CL down the road. 

[jamesdwi]

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@Coldness wrote:

I'm currently in a situation where I'd like to float a balance over to next month due to some unexpected expenses. Nothing huge - a couple hundred bucks that would be paid in full later on. I'd really prefer to do this over dipping in to my savings.

Normally, I wouldn't think twice, but... I'm tempted to do it on my brand new Amex BCE. See, it's got 0% for 6 months. But at the same time, I want to up my limit on this card rapidly and don't want to freak out Amex. 

Has anyone ever taken advantage of their 6-12 month 0% offers and lived to tell the story? I mean, I can't see why they would offer it if they see it in a negative light when someone uses it, but... it's Amex, so who knows. This would be floating a balance on its very first statement. I do have a perfect payment history on my Zync (and every other line on my report). 

I have my local credit union Visa at 8% to fall back on (so, like, $2 of interest tops for this one month) if anyone has any horror stories to share about this. 

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currently carying a balace of $850 or so on my AMEX Blue (6k CL) got it in a December,  no problems so far, got a NPSL Zync in January, declined on the CLI for the blue after 61 days  tried for 12k hoping to get countered at 10k but imediately declined.