I prefer SPG, too. But, right now, I wouldn't try to get Amex to raise my credit limit--cause it ain't gonna happen.

I have a friend who has a very successful electronics consulting/systems biz. He runs a $mil or so through credit cards every year, has excellent credit. Amex offers him cards with $1000 line of credit. Others, $20K.

Just glad I got my Amex cards a long time ago.

As to interest rates, there are some better ones out there. Check the various sites that compile them. for example, http://www.moolanomy.com/1333/how-to...interest-rate/ or bankrate.com.

Personally, this is not the time to put any sizable amount in the bank.