r/amex

As the title says, I recently checked my spending power by calling for my gold card. I was asking to put about $20k over the course of 3 days for some home projects going on.

I dont use amex for my checking account, so I offered to transfer the full balance needed to show I could cover the charges. The service rep said I was good for about $15k and could make payments as I went if I wanted.

I decided to just pay by check because the charge for a card wasn't worth the points and hassle.

3 days later I get an email stating after reviewing my account, I now have a preset spending limit, which is quite a bit under what I regularly use.

I called again and the "assured me" that the inquiry i made is a separate issue that had no bearing with this decision. They quoted that i have "major delinquency" on a different card with them. I asked the rep to verify what and when that was, and they told me I was late on a payment a few months ago. I paid it the day after it was due, as soon as they notified me. I made a mistake and mixed up the due date, I admit, but I also paid it in full the next day. Thats not considered delinquency as far as I know. They also never reached out to me at that time, so I moved on and didn't think about it.

Im fully convinced that me calling and asking has prompted this review. I will see what they ask for, but I currently have a sour taste in my mouth. I think they're being untruthful and basically punishing me for trying to make some points on a large spend.

Rant over, and any advice for the review is welcome

As the title said, I was wondering what the ideal datapoints Amex Canada was looking for. Anyone approved for the shiny metal Gold card and can help?

I know the Cobalt is wayyyy better but for my first card I’d like the Gold.

Maybe it’s just my area, but I’ve tried pretty much every Resy restaurant around OC, and I honestly haven’t found a single one I’d want to go back to.
It almost feels like some of these mediocre restaurants rely on Resy because they can’t attract enough organic customers on their own. Every single restaurant I’ve been to has been practically empty, and the food has consistently been super mid.
Has anyone else had the same experience with Resy restaurants around OC, or am I just getting unlucky?

Curious to get input on a plan from those of you that are using Charles Schwab and their Platinum card.

I like to keep my banking as consolidated as possible but due to some flip flopping I've ended up with a mess of things across different banks. Right now all my day to day stuff is Fidelity. Checking is their CMA, I use a Brokerage more or less as savings, and their 2% card from Elan Financial. Thing is I regularly hear horror stories about Elan's support.

I've already got Plat/Gold/BPP trifecta. I also have the Rewards Checking, mainly for the purpose of getting a little bit of MR points off my daycare ($20-30k/yr) which is debit only without a big fee. The main reason we don't take heavy advantage of this setup is I decided I prefer the flexibility of cash back over MR points. I otherwise would prefer to use Amex.

I'm thinking of switching to Charles Schwab checking/brokerage and then getting their Platinum card so that I have the option to sweep MR points into the account as cash back.

• Is it true MR points earned off any card can be deposited as cash back, because generally I only use the Platinum for portal bookings and things that trigger credits. The only way to get close to my 2% cash back from Fidelity is to be able to use the other cards for higher earnings.
• The whole plan relies on getting approved for the Charles Schwab Platinum. Is that likely to be an issue if the other Amex cards were opened last year? We are high income / high credit score so not worried about those factors. If it would be relevant, I keep getting prompted for a 200k point SUB on the Business Platinum. I wouldn't want both long term, but I take advantage of the credits enough to break even so I guess I could if needed to.
• Is there preferred order to canceling my Platinum and applying for the CS Platinum and/or any delay that should happen between the two actions?
• For those doing this setup has it generally been a good experience customer service wise?

I got this card a month ago and it is going to be one of my primary cards, the milestone benefits said that if I spend 3k USD within 6 months. I get 75k miles.

What I wanted to understand was how much are these miles worth ? Some tips on how and when to redeem them

Should I just use my Amex gold as my go to card since I can convert its points into more airlines‘ than just delta skymiles?

also how do you guys handle juggling different cards‘ points systems while also being able to keep track of budget? Monarch?

La sto usando da un po' e secondo me per un libero professionista può essere una carta interessante, soprattutto se si riescono a sfruttare bene i Membership Rewards.

Le cose che personalmente trovo più interessanti:

• fino a 51 giorni prima dell'addebito, che per chi lavora in proprio può essere comodo per la gestione della liquidità
• 1€ = 1 Membership Rewards sulle spese
• i MR sono abbastanza flessibili e possono essere trasferiti, ad esempio, a Flying Blue, Avios e Miles&More
• con le offerte attuali il primo anno è gratuito
• al termine si può anche valutare un downgrade invece di mantenere la Oro

Io, ad esempio, l'ho affiancata ad una Explorer, mi da un X3 sui punti e mi aiuta ad accumulare MR sulle spese che faccio più spesso, sfruttando i Favourite 5.

Secondo me il punto interessante non è tanto “fare punti” fine a sé stesso, ma accumularli e poi usarli quando c'è una buona opportunità, soprattutto sui voli.

In questo periodo c'è anche una promo Presenta un Amico da 20.000 MR per il titolare Oro Business, quindi se qualcuno con P.IVA sta già valutando una Business Amex e vuole qualche info sulla carta, posso raccontare la mia esperienza.

Non è una marchetta 😂, sono semplicemente curioso di sapere se altri professionisti qui la usano e come riescono a sfruttare i MR.