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Answer: YMMV. (period)

Any other answer is nonsense and, frankly, misleading; unless the author has intimate knowledge of the details of thousands of cases with each issuer to have a large enough sample size to render an opinion that is grounded in anything other than pure baseless speculation.

i understand the desire to have some sage MSer tell you 'go ahead, it's ok'. well, even though username 'KINGofMS' with 3869 posts (join date, October 2015) says so, he has no idea.

i can sum up people going along with no AA (adverse action) who give advise using a life analogy:

i plan to live forever.
so far, so good.


not to leave without providing some sage wisdom:

do NOT MS Amex Charge cards. too much risk for them and you will, almost certainly, be FR'd with any volume. that said, if your application is 100% truthful and you don't mind turning your tax returns over to Amex's data security... nevermind- knock yourself out.

-uncommonsensical