hwturner wrote:Not a big fan of AFees
People seem to state that a lot but they should really sit down and consider the bigger picture to see if their spend and the rewards (and all other aspects of any given card) make the AF worthwhile.
As an exmaple, I'm married and we don't have kids so we don't have massive grocery trips but our grocery spend alone makes the BCP's AF worthwhile to us.
hwturner wrote:1) Should I pay the card down before I apply for the 61 day cli?
It would help.
hwturner wrote:1a) If so, that kind of defeats the purpose of the promotion but whatever..
You have to decide which is the priority for you. Is the promo more important than the CLI? The promo doesn't end when you request the CLI. It still has the same end date.
hwturner wrote:2)Do I have to wait until a certain time to product change to the BCP? Whether it be a standard time frame from AMEX or until my promotion ends.
13 months IIRC but I'd also suggest calling to verify.