I have had an AMEX Platinum level card since 1968. We use it for travel ticket purchase and better hotels take it. In a travel emergency, it is the card to have.
I use my CostCo Citi card when Apple Pay does not work. I usually get over $1,000 back on CostCo and over $1,000 back on Apple Pay.
Amex has lost a lot of acceptance locations both here and overseas. I have an unlimited level with Amex and a higher limit on the Apple Card than the CostCo card.
When we basically replaced all of our Apple gear in November 2024 to January 2025 time frame, we made additional payments during the months of acquisition as nothing is inexpensive in the Apple world.
We always pay in full every month so no finance charges (or mortgage interest payments).
Hard to believe but our credit rating gets dinged because we have NO long term debt. The finance folks call those of us who pay the balances in full every month dead beats because we choose top not pay their 30% interest rates and have free use of THEIR money for the month.![]()
Not really true - as a former employee of a credit referencing agency who has worked with lots of finance providers. An ideal customer is of course the one who pays reliably but not their full balance and ends up paying your far more in the long run, but the credit referencing agencies will give you a perfect score that gets you accepted whenever you apply so long as you’ve a stable address and don’t miss payments.