I made this calculator to help those who are tossing up between the annual fee and no annual fee card. I didn't take into account the sign up bonus for simplicitys sake.
https://docs.google.com/spreadsheet/...kE&usp=sharing
I'll turn it into a traditional web calculator and add in sign up bonuses and PRG comparison if people find it interesting enough.
Originally Posted by
liw5215
Applied and approved.
but only with $5000 CL. and be told that I can request CL increase after 60 days. does it do any hard pull for CL increase request?
Since nobody replied. AmEx doesn't do a hard pull for CLI's. They are also pretty good at doing them. Request 3x whatever your current limit is, they'll either approve it or counter offer.
You can repeat the process every six months if succesfull. If not succesfull wait 90 days.
Originally Posted by
JWEMTX
Well that was quick... I just doublechecked my purchase counter and all of my small purchase are now showing towards the 30 goal. Even the $0.15 posted correctly (not $1.15). I just made additional Amazon gc purchases and my pending charges will put me over the 30 goal.
Thanks for the data point.
Originally Posted by
upgrader
Glad to hear that JWEMTX is well on her/his way to the magical 30. I wonder if at some point in the not too distant future AMEX will realize the situation they have established for us and will change some rules that will disallow a lot of very small charges that are not consistent with the cardholder's "normal" pattern of charges.
AmEx charge most merchants a flat fee + percentage, so I can't see them that bothered by it. What they will likely do is contact places such as Amazon and tell them to post multiple purchases over a short period (1-2 days) as one purchase and then both parties will get what they want. It's specifically stated in the ToS that they can do this, so I figure that's their game plan.