How Soon Do You Use a Card

[Anonymous]

I use the card either the day I receive it, or within a few days of receiving it. I do a chip transaction and a swipe transaction to make sure the card is fully functional. Then I set up the online access and make a small payment as soon as a balance posts to test the payment info I entered. I have no worries of AA because the card issuer already based their decision on what they saw and gave me a limit to match that data. 

If you are doing app sprees and are worried that the creditors will catch on and do AA....well....you might want to re-think your approach to credit.

[HeavenOhio]

If you're getting your first AMEX card, it's a good idea to set up online access and your payment account on the day you're approved. There are payment restrictions during the 30 days after a new payment account is added. Getting it set up right away will cause the restrictions to be lifted well before the first due date.

[Revelate]

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@HeavenOhio wrote:

If you're getting your first AMEX card, it's a good idea to set up online access and your payment account on the day you're approved. There are payment restrictions during the 30 days after a new payment account is added. Getting it set up right away will cause the restrictions to be lifted well before the first due date.

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This doesn't matter unless you're trying to pay multiple times a month as I understand it, and to that I'd ask: why?