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Why I decided to downgrade my personal AMEX Plat to a PRG card

May 18, 2017May 16, 2017 Vinh  Credit Cards  amex, AMEX Platinum  22 Comments

Introduction With all the changes happening with AMEX lately, I’ve been trying to rethink my card strategy with AMEX.  I still don’t think I’ve perfected it yet, but I’ll just shotgun this until I get it right.  Anyway, my Plat card’s annual fee is due in September.  For some background, I also have the Biz […]

The repercussions of a returned check with AMEX

April 27, 2017April 26, 2017 Vinh  Credit Cards, Manuf Spend  amex, nsf  5 Comments

Introduction While on vacation, I had forgotten about an autopayment on my AMEX business SPG card.  It was a sizeable 5 figure balance too.  I came back on a Sunday and realized the payment was going to hit on Monday.  There was no way I was going to be able to get cash on time. […]

Quick clarification on the AMEX Biz “Please Pay By Date”

March 27, 2017March 24, 2017 Vinh  Credit Cards  amex, autopay, Credit Cards  Leave a comment

Introduction There was a bunch of hoopla over AMEX moving up the payment due dates on Biz cards a few months ago.  However, a reader shared a clarification with me that I’ll share with you guys.  The gist is that those 2 week “Please Pay By Date” is merely a suggestion and isn’t the drop […]

A reader with SIX CREDIT cards from AMEX

March 23, 2017March 21, 2017 Vinh  Credit Cards  amex  24 Comments

Introduction I had written about my theory on how you can get FIVE AMEX CREDIT cards (not charge cards) a while back, and the gist was that I thought the Hilton cards were somehow excluded in the ‘4 credit card max’ rule with AMEX.  Well it seems one reader actually has SIX cards.  This is […]

Cumulative list of bank and credit card bans

January 11, 2017January 11, 2017 Vinh  Credit Cards  amex, Barclays, Chase, Citi, Credit Cards  47 Comments

This post is long overdue, eh?  Being known as #shutdownsalldayeveryday, I get reader stories of shutdowns and try to figure out what happened and what they can do.  I make these posts to help you guys NOT get shut down.  I know some of you may say, “Hey I’ve cycled 3X for years with bank […]

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