I used my new Amex Gold a couple of days ago in the cafeteria at work, thinking I'd get 4x points. I noticed today on the Amex portal that it codes as "Business Services." I guess I'm out of luck on Amex dining points, or getting anything better than "all other expenses" via any card? Thanks!
FICO Resilience Index: 69. Cards: 10/24, 3/12, 3/6. Accounts including loans: 12/24, 4/12, 4/6. At first accidentally, later deliberately, I used what I call the "thick-start" build method, which leads to heavy credit-seeking for a while with the goal of coming out of it without needing to build a thin profile for years. There are pros and cons. Thread describing method Cards (oldest to newest)
Authorized user / Corporate / Auto loans / Personal loan
Card CLs total $151,100, not counting the AU card. The AU card brings the total to $177,600. In 03/19, card CLs totaled $0. CU and bank memberships: Coastal Credit Union, joined 1987, direct deposit; PenFed, joined 2019; Navy Federal, joined 2020; USAA, joined 2020; Chase Bank, joined 2020. Best: Coastal, worst: NFCU. I have had weird Keystone Kops customer service problems with NFCU several times, despite their reputation here.
Closed but still on reports: American Express Gold, NPSL, 08/19-06/21 | American Express Delta Gold, $1,000, 09/19-10/20 | American Express Hilton Aspire, $3,100, 09/19-12/20 | Citi secured, $200, 04/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19. Note: My signature is updated frequently, and updates appear on all instances of my signature including on old posts.
Best way to know how certain merchants code is test each specific card to determine how it's categorized. But, as far as AmEx, if your work cafeteria is coded as Business Services then not much that can be done to get 4x on dining.