American Express is a credit card company that offers many different types of rewards and benefits for their users. They are one of the most popular companies in this industry because they offer an extremely wide variety of products and services. They also offer cash back, travel points, and much more. There is no shortage of perks available to their customers. Plus, you don't even have to own a home or have a credit score high enough to be approved. American Express just wants to see you succeed and provide you with the best customer service possible.
The most important factor when deciding if an American Express credit card is for you is whether or not you will be able to use it for everyday purchases. If you only occasionally use the card and never carry cash, then this type of card is not for you. They provide rewards only for the use of the card and cash advances. If you need these types of things, then another card would be a better fit. However, you can look online and compare different cards to find the best one for your needs.
When applying for an American Express credit card, you will be asked some questions about your financial history. You will want to provide this information honestly. They will look at your current and past expenses as well as any outstanding loans. They will want to know where you live as well as what your income is. This information is used to determine how credit worthy you are and whether or not you will be able to pay back the debt.
As long as you can show them that you can pay your balance off every month on time, you will have no problems with getting approval for an American Express card. Plus, they have a zero percent APR for up to twelve months on the cash advance portion of your credit card. You do, however, have to be sure you can pay it off before the period is over. After all, if you cannot pay it off in full, then you could be leaving yourself with a high debt load. You also cannot use the card for business expenses.
The one big thing to keep in mind when it comes to American Express credit cards is that they do not offer any type of consumer protection. Sure, they do offer a secured credit line, but this line is separate from your credit history. If you use the card fraudulently, American Express could file serious charges against you which could negatively impact your credit rating.
One of the best things about American Express is that they are one of the few credit cards that do not use a credit score number. This is great news for anyone who might not qualify for a higher credit card number. Also, American Express does not charge a lot of annual fees. They do, however, charge an annual membership fee for their credit card services. However, you only have to pay this . . . . . . once and then you will be able to enjoy all the benefits of using an American Express credit card. You can find out more information about how to make the most out of your American Express credit card by registering for a free credit card account online.