They can be good for the CL! They are also pretty good about CLIs, either customer initiated or automatic. The rewards are not that great, unless the invite is for the 1.5% card, then it becomes a good everyday card. If it is only for the other Amex they have, then you can later ask them to change the rewards to the 1.5% card rewards. I was successful in doing this, I don't know if they will do it for everyone or how long you might need to have the account open. Mine was opened for almost two years before I asked for it.
They are pretty nice at customer service too. They also give good BT offers at times. They seem to do it a bit differently than other banks. Instead of a BT which lasts for a year or so, they offer a low rate for an unlimited time on the offer. I think they do the other type too, but depending on what your needs are, the unlimited time to pay can be a benefit.
It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
. I ttruly have more cards tha I need and will strategically plan some consolidation in the summer of 2016.
