For charge card, however, the max is unknown, and isn't reported. So credit bureau won't be able to see my credit utilization. In fact, the highest monthly spending becomes the so called "max" for that card. (which is the reason why they suggest you take one month to put all your spending on a single charge card to artificially set high credit limit for that card).
now getting back to THIS specific card. One word. DON'T. amex has premier gold that is UBER better than this card (50 bux more per yr, but totally worth it, if you are someone who are consider getting this card anyway). only reason I can ever see getting this card is if I am not going to fly a lot next year, and my first free year for amex premier gold is nearing end, just to keep my amex reward points alive.… show more