u/Sufficient_Fish_283

Title

Those of you that have over 10 credit cards, if you are upto it could you list every credit card that you have that is open even if you don't use it. I am curious to see what cards repeat the most specifically for the churners if you only have 6 credit cards like me or even less please don't bother commenting your 3 cards, I am just curious about the setup from people with massive credit card stacks. Thanks.

Back in 2022, when I first got the Platinum Card, I stumbled into a pretty surprising pattern that lasted all the way through 2025, just after the card’s big benefits refresh.

During that time, I would book a stay through Amex Travel using either FHR or THC to trigger the annual hotel credit. After the credit posted, I would cancel the reservation. Even though people constantly warned that American Express would claw the credit back, it never happened to me. Not once each year (2022, 2023, 2024, 2025 before benefits refresh and again after).

I tried the same approach again in early 2026. Three separate times, the credit posted and then got clawed back. At that point I gave up on testing it and just used the credit properly a couple weeks ago at the Grand Hyatt Indio for Coachella. Now I am curious if anyone else had similar success before the refresh, or if there are data points showing that Amex has gotten stricter about clawing back credits since then.

Curious to hear from fellow American Express Platinum cardholders, how much are you actually putting through your Platinum each year? And more interestingly, how does that stack up against what you spend across all your other cards combined? Are you all-in on Platinum, or just using it strategically?