VattenÃ© wrote:Oh, if you're in a 0% purchase APR period that changes things. No interest to worry about, then, so the only factor to consider is the impact on your FICO score (even so, I wouldn't worry about it too much unless I would be applying for a mortgage soon). The ease on your budget alone might make it worth not paying in full.
I just got an Amex myself, but I'm still planning to always PIF. I just don't want to get in the pattern of carrying a balance only to find myself struggling to start PIF again when I need to. I am also doing it in case that helps me with a CLI a few months later when the time comes (not that I even need it...it's just too easy to get caught up in the milking-every-point-out-of-FICO-you-can game).
Would you go for the 3x then? I heard after 25k, Amex will ask you for documentation. The possibility of having a tl over 30k sounds really beneficial though if your income can support it.