what scares amex question

[zerbherb]

So i put about 4-5k on my amex cards already. paid in ful and some 0 percent apr purchases 

I wanna buy a pair of skis and a lens in the same month. And pay of both with zero apr that i ahve 6 months left of. so i would pay of 2050 in 6 months would that scare them. 

Or have my spendings habbits made this seem like nothing.

I haven't done the purchases yet. Just wanted opinions.

[Anonymous]

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@zerbherb wrote:

So i put about 4-5k on my amex cards already. paid in ful and some 0 percent apr purchases 

I wanna buy a pair of skis and a lens in the same month. And pay of both with zero apr that i ahve 6 months left of. so i would pay of 2050 in 6 months would that scare them. 

Or have my spendings habbits made this seem like nothing.

I haven't done the purchases yet. Just wanted opinions.

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Amex doesn't like Balances, Balance Transfers nor Cash Advances. I would elaborate a bit further but am short on time as I have to start getting ready to hit the gym...

EDIT: Just do a simple Google Search along the lines of "Does Amex like Balances on their CCs...Fico" and results will definitely come up.

[Involver]

Stop worrying so much. Unless you neglect to pay your bills on time you're fine.

[Irisa]

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@Involver wrote:
Stop worrying so much. Unless you neglect to pay your bills on time you're fine.

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Agreed. I carried an average balance of $3800 during the 0% APR promo period on my BCP, never had any problems with them. 

[NRB525]

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@Anonymous wrote:

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@zerbherb wrote:

So i put about 4-5k on my amex cards already. paid in ful and some 0 percent apr purchases 

I wanna buy a pair of skis and a lens in the same month. And pay of both with zero apr that i ahve 6 months left of. so i would pay of 2050 in 6 months would that scare them. 

Or have my spendings habbits made this seem like nothing.

I haven't done the purchases yet. Just wanted opinions.

---

Amex doesn't like Balances, Balance Transfers nor Cash Advances. I would elaborate a bit further but am short on time as I have to start getting ready to hit the gym...

EDIT: Just do a simple Google Search along the lines of "Does Amex like Balances on their CCs...Fico" and results will definitely come up.

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sorry, no, not a good generalization. In some situations AMEX can show a cardholder it does not like how that cardholder is managing balances.

In my case, I've now got 2.5 years history with AMEX, generally PIF, including a history of really pushing the $2k initial limit they gave me.

but I took advantage of the low APR offer on the Delta Gold card from November 2014 to November 2015, carrying $1,600 to start, paying that down to $500 in June, then back up to $3,300 in July, then back down to zero in December.

During that time they gave me the Hilton card, SPG, EDP, and PRG, reaching $47,000 total revolver limits plus PRG. No 4506-T request along the way.

I have proceeded to take advantage of the 0% APR period on the EDP, running that up to $4,100 in December, paying $400 per month on it.

Sorry, the "don't carry a balance with AMEX" rumor is not good advice.

To the OP, No, given that you made a huge payment already, carrying $2k for 6 months is not going to scare AMEX.

[Anonymous]

Hakuna Matata, buy your gear and pay it off just as you planned. 

[Anonymous]

It depends on the card. According to your signature you have two American Express Cards. The PRG is a charge card that you're expected to pay off every month. Amex doesn't want your carrying a balance on that one. The other card, the Everyday card, is a credit card. You can carry a balance on that one as long as you make the minimum payments (and if you're on track to pay in off in 6 months, you'll be making more than the minimum payment each month). You just can't wait until the end of the six months and then plan to pay it all off in one lump sum (but I don't think that's what you're saying).

So you'll be fine, as long as you use the right card and make the payments.

[zerbherb]

haha yes i know the prg is pay in full. Thats what i put my flight to park city on .

[sandsanta]

Credit cards aren't a weird church you have to appease.  Put your gear on it and pay it off as you would normally. Keep in mind that banks make money through lending. 

[Anonymous]

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@zerbherb wrote:

So i put about 4-5k on my amex cards already. paid in ful and some 0 percent apr purchases 

I wanna buy a pair of skis and a lens in the same month. And pay of both with zero apr that i ahve 6 months left of. so i would pay of 2050 in 6 months would that scare them. 

Or have my spendings habbits made this seem like nothing.

I haven't done the purchases yet. Just wanted opinions.

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Keep paying your bills and enjoy your purchase.