Big Boy Club……Amex Gold & Platinum Discussion

[Legal]

My gold amex just got here and my goodness... It looks sexy

You go standard or rose gold?

 

[Back4The1stTime]

Anybody know the perks of the Gold card?

Gold card is good for dinning and groceries. It's also an everyday card for most people that have it.

 

[T.H.E.GOD]

Quick question. If you pay it off soon as you use it, do you still get the points?

 

[humminbird]

Quick question. If you pay it off soon as you use it, do you still get the points?

yeah i think you have to wait until the statement is ready to see them but yeah you get the points

 

[T.H.E.GOD]

yeah i think you have to wait until the statement is ready to see them but yeah you get the points

word. Sometimes I be wanting to just use it like my debit but instead of waiting till end of month just pay it then and there. Don’t need my balance to get out of control. Always wondered that

 

[humminbird]

word. Sometimes I be wanting to just use it like my debit but instead of waiting till end of month just pay it then and there. Don’t need my balance to get out of control. Always wondered that

Yeah same I always pay off my balance before the statement is over too
Amex doesn’t care they give you the points either way

 

[T.H.E.GOD]

Yeah same I always pay off my balance before the statement is over too
Amex doesn’t care they give you the points either way

what happens if you don’t pay off the whole balance off?? Like it tells you that you can pay the minimum but you have a balance more than that? Penalties?

 

[humminbird]

what happens if you don’t pay off the whole balance off?? Like it tells you that you can pay the minimum but you have a balance more than that? Penalties?

If it’s a charge card(green, gold, plat, black) unless you have pay over time enabled you have to pay the full balance. If not they block the card and tell you to pay before using it. Interest might be tacked on as well. If it’s saying you can pay the minimum you have pay over time on.
With pay over time it works like a normal credit card and you can just pay the minimum if you want.
you can keep charging these cards until they stop you.
it's not unlimited balance but it's pretty high imo



If it’s the other cards it works like any other credit card when you carry a balance.

 

[Teal.]

You go standard or rose gold?

I got standard..

 

[T.H.E.GOD]

If it’s a charge card(green, gold, plat, black) unless you have pay over time enabled you have to pay the full balance. If not they block the card and tell you to pay before using it. Interest might be tacked on as well. If it’s saying you can pay the minimum you have pay over time on.
With pay over time it works like a normal credit card and you just have to pay the minimum
you can keep charging these cards until they stop you.
it's not unlimited but it's pretty high imo



If it’s the other cards it works like any other credit card when you carry a balance.

I got the gold and it must have pay over time on cuz it don’t make me pay all in one shot even though I pay it all in one shot. I wonder if that’s a good or bad thing I have that option.

 

[Yinny]

I got the gold and it must have pay over time on cuz it don’t make me pay all in one shot even though I pay it all in one shot. I wonder if that’s a good or bad thing I have that option.

If you qualify *edit and have it activated* they add all purchases over $100 to the feature.

Unrelated, Their aggregate breakdowns by user suck.

 

[humminbird]

I got the gold and it must have pay over time on cuz it don’t make me pay all in one shot even though I pay it all in one shot. I wonder if that’s a good or bad thing I have that option.

Just like any card It’s up to you and your control
i would personally still pay it all in one shot.
I’ve turned mine off

 

[humminbird]

If you qualify, they add all purchases over $100 to the feature.

Unrelated, Their aggregate breakdowns by user suck.

You're talking about the way they show the balances right?
Yeah it can get confusing sometimes

 

[T.H.E.GOD]

Just like any card It’s up to you and your control
i would personally still pay it all in one shot.
I’ve turned mine off

I didn’t even know I could turn it on or off. Either way, my whole shyt gets paid on a monthly. I ignore that minimum shyt of. Props for the explanation though

 

[brooklyn_boulevard]

Has anyone ever qualified for an Amex business card?