[MKSixer]

Originally Posted by Flying Ace

agreed, but read his question and context carefully. He doesn't need to borrow b/c he holds a AMEX Gold which is a charge card. He's asking whether Chase card is a credit card.


But I agree with your point that, those who churn these points like us, the golden rule is: NEVER EVER EVER EVER EVER Carry a balance. EVER.

If you need to carry a balance, this isn't a hobby for you or you're doing it wrong.



yes. Chase cards are credit cards, e.g., you CAN pay minimum balance and CAN carry an outstanding balance where they apply a APR, i.e. "borrowing".

AMEX is purely a charge card, meaning you owe that amount at the end of the month or you're suspended, and it goes into delinquency and/or collections and have adverse hits on your credit, even if you're $1 delinquent.

Certain Platinum and Centurion card customers have lines of credit that are similar to credit cards. Typically goes with those that have real unlimited lines of credit on the cards.