34 Comments

  1. Becca
    July 22, 2021 at 8:36 am

    So when you pay your card off every month faithfully, does that improve your credit?

  2. Bran
    July 22, 2021 at 8:36 am

    I have a question about building credit with my Amex card. I pay whatever my balance is at the the time every few days. Is that good, bad or pointless? I want to maximize building my credit but at same time I do not want to carry any balances longer than needed. I use my Amex for everything instead of my debit card to maximize points which is why I like to pay off quickly. I do not want to treat it like a charge or credit card. Thanks in advance for any insight!

  3. Stolen Halo
    July 22, 2021 at 8:36 am

    Will it ding my credit report like when I open a credit card?

  4. house machine
    July 22, 2021 at 8:36 am

    Seb, does Amex review your business experience score at all or it’s just PG score and that’s it? I got a prequalify platinum but I have an old charge off that falls off in December. 720 score but I don’t want to get denied because of that charge off. You think it still matters or I just wait till end of year

  5. Dealo Marilla
    July 22, 2021 at 8:36 am

    Hey I have question I have an Amex gold card. I love the fact that I’ve improved snd polished my credit enough to get the card. It is a premium luxury travel card and I like that feeling when I go to pay for something. My question is, is there a premium luxury card out there, for the everyday user, to maximize my everyday purchases? I know this is kind of child but I like that metal feeling of my AMEX. Can’t tell you how many ppl have said wow I like ur card(Amex Gold)!

  6. Beto Guerrero
    July 22, 2021 at 8:36 am

    What if you cancel a charge card, how does that effect your credit.

  7. Ryan I
    July 22, 2021 at 8:36 am

    I got my Blue cash everyday card less than 2 years ago w/ around a 650 FICO and just recently got approved for Platinum w/ 705 or so.

  8. ibrahim hakeem
    July 22, 2021 at 8:36 am

    Got platinum yesterday after getting sapphire preferred, and Hilton surpass just two weeks ago. Plus I’m only 20 for anyone who feels like there not old enough.

  9. Divine Feminine InnerG
    July 22, 2021 at 8:36 am

    Do you offer a points consultation?

  10. IExcelAndSoCanYou
    July 22, 2021 at 8:36 am

    Doesn't getting a charge card also impact average age of accounts and also hits for score lookups?

  11. Ryan Doobay
    July 22, 2021 at 8:36 am

    If you upgrade your green card to Platinum will it require another credit check?

  12. K D
    July 22, 2021 at 8:36 am

    Do you feel having a loan of $6,000. (Never late, or missed) And a score of 690 and credit history over 6 years with no lates or missed payments could get the gold card?

  13. Nana Pomid
    July 22, 2021 at 8:36 am

    How often can you/should you apply for a charge? I just applied for Amex card 3-4 days ago and was planning on applying for a different card today

  14. nfish111
    July 22, 2021 at 8:36 am

    What about cancelling/closing charge cards?

  15. Eduardo Venegas
    July 22, 2021 at 8:36 am

    Does adding authorized users to Amex Platinum card help them build there credit? Or would you recommend adding them to a standard credit card?

  16. Sean L
    July 22, 2021 at 8:36 am

    Hi Sebby, question, so I just got the amex platinum and my closing date was Nov 22nd and says due date Dec 18th, so can I pay until Dec 18th to avoid interest or should I've paid in full before the 22nd? Thanks in advance.

  17. Roshan Dixit
    July 22, 2021 at 8:36 am

    LoL I use my Credit Card like a Charge Card 😂 Now I have the the Platinum

  18. James Palmer
    July 22, 2021 at 8:36 am

    Hey I have the gold card my question is do they report to the credit bureau‘s on the statement date like a credit card or can you pay before your due date and not hurt your credit score

  19. Murad Osman
    July 22, 2021 at 8:36 am

    Your videos are very helpful and beneficial. Thank you. I have six Amex cards including the one I just got approved for; the Amex gold card. Amex is a great credit card company. Been with them since 2000.

  20. TornadoBarrage
    July 22, 2021 at 8:36 am

    I started with the blue card then the every day card and then they invited me, when I got the card in the mail I was nervous because of the presentation I was like "what did I get myself into" but it's not bad at all

  21. Toxic
    July 22, 2021 at 8:36 am

    So this won’t raise my credit score by upping my available credit?

  22. Brandon Avila
    July 22, 2021 at 8:36 am

    Do charge cards count towards 5/24?

  23. Wild River Tom
    July 22, 2021 at 8:36 am

    I read a rumor about the AmEx Green getting some love by March 2019 to make it more desirable. Any news on this yet?

  24. Chris. BCC
    July 22, 2021 at 8:36 am

    I'm ready to apply for a charge card by American express. I am nervous because of a charge off on my credit report and I'm also closing on a mortgage. When would be the best time to apply?

  25. Shawn Parker
    July 22, 2021 at 8:36 am

    I am around 650-660 but have had Amex blue everyday for 2 years – I got targeted offer 3 times in snail mail , email and when I logged in – I called to ask Should I bother applying for platinum and she said definitely since they could see a pattern of paying of rent and utilities with other car. I applied and was approved in 20 seconds so Sebby is 100 percent right. I may as well get the benefits of the Platinum card since it’s my monthly spend on anything.

  26. Aqsa
    July 22, 2021 at 8:36 am

    Hey guys! I’m not sure if this question has been answered but with anyone who has a Amex gold card or Amex card in general, does it help to improve your credit score?

    I am someone who’s using an Amex card as a 2nd card and has a good credit history but want to increase my credit score

  27. dave yo
    July 22, 2021 at 8:36 am

    Getting my first charge card what if you don’t pay the full balance? Do you get a miss payment ? Or they kill you with fees? Or both?
    Thanks

  28. jonathanmorales Morales
    July 22, 2021 at 8:36 am

    I just got a amex gold card im a owner of a truck ..dump question but does the membership fee start as soon you activate card ?

  29. Thomas F.
    July 22, 2021 at 8:36 am

    my question is, the amex gold report credit to the 3 bureau?

  30. Jonathan o
    July 22, 2021 at 8:36 am

    Can you make a video wellfergo propel Amx with all Amx on benefits.

  31. Lucas Nunes
    July 22, 2021 at 8:36 am

    Eu quero!

  32. dynasty4851
    July 22, 2021 at 8:36 am

    I wish you can do a video on the quick silver capital one cards.

  33. 2110ify
    July 22, 2021 at 8:36 am

    676 Transunion score 20k income 6 months of credit history my only other card is a capital one secured increased to $500 credit limit I also had 5 inquiries before hand

  34. Dana C
    July 22, 2021 at 8:36 am

    How does using the pay over time feature with Amex affect your credit?