- Centurion Member
- Posts: 4060
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
dfm990 wrote:Hey guys, I have two Amex cards, a Gold and a BCP. I was wondering, my second 6 month 3x CLI opportunity is coming up on July 13th and i was wondering, i haven't paid off my EDP (you mean BCP, right?) completely its at about 50% utilization right now, and about to go to about 35% by the end of this billing statement. will i still probably get the bump up (from 3k to 9k)? I still use Amex a lot overall but more on the gold side, about 4k-9k a month and pay it off on time obviously... Does that good Amex history with the gold card factor in to the CLI decision on the BCP at all?
I've always paid in full, and never tried the 3x CLI, but a lot of people have reported that Amex dislikes it when you don't PIF.
Just because they give you an intro 0% period doesn't mean they actually want you to take advantage of it. They want you to spend a lot and pay in full and on time, so they make their money from processing fees. Discover, by contrast, is generally happy to make a lot of their money from interest from people who can't (or just don't) PIF.
Very useful: SchwabPlat, CSP, IHG, Costco (was AA Plat), Freedom, SPG
Somewhat useful: Discover, ED (was EDP), BCE, Hyatt, Arrival
May close or PC: Prestige, BrooksBros
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech