Originally Posted by
silver6054
Apart from the financial aspect, for me an advantage of the AGC approach is that credit card declines/FA will happen while purchasing the cards online, probably at home, where it is much easier to deal with. You can call, simply fill in the form with a different card etc, and no line behind you wondering why you are holding everyone up.
I guess an AGC could get declined (rather than "you cant use that") at Target, but have never had that happen.
This is a benefit also. I've never had a FA on an AGC order, but it's a lot easier to clear at home. As I mentioned, we all are going to do what works best for us personally. For me, it's ordering AGCs for cash back and earning UR. I'm sure there's better value out there, but I am able to reach my travel goals this way with minimal effort.