- Centurion Member
- Posts: 388
- Joined: Thu Nov 21, 2013 1:13 pm
- Location: United States
Paying it off immediately vs. at the end of the month probably makes no difference to AmEx. You're not building your credit with this card so it also shouldn't impact your FICO score as far as I'm aware. With credit cards this strategy does impact your score.
The Gold is the next step after Green so in time it is possible you could be sent a pre-approval offer. I recently got an email offer for the Business Gold and a 50K pt sign-up bonus. I have no room for that card so I will not be taking them up on the offer. This was the first such offer I've ever received, if my memory serves, and I have been a card holder in good standing for two years.
If you want the Gold, give yourself some time as a AmEx member, then apply for yourself. Worst case scenario your credit score takes a small hit if you're rejected. Best care scenario you've got the card you want because you were proactive about it. Make sure your spend really warrants the card. Don't just apply for the "Prestige."
Not sure if they send pre-approval offers for the Platinum...if they do, I presume it's very targeted at frequent travelers and five to six figure annual AmEx card spenders.
Citi Forward ($10.1K), AmEx Blue Cash Everyday ($30K), Chase Freedom ($12.4K), Discover it ($5.5K), Barclaycard Arrival ($12.5K), L.L. Bean Visa ($5K). FICO 806 (TU), 812 (EQ), 806 (EX).