The exclusive amex black card

American Express Centurion Card, also known as the Amex Black Card is the myth become real in the world of filthy rich people and exclusive club memberships. American Express capitalized on the rumors circulating that the elitist of the elite members held a “Black Card” enabling them to buy anything, literally anything with it. And the reality is not far from the myth. People have been known to buy a $36 million collector’s item from the Amex Black Card, a Bentley worth $300,000 and a private jet worth $52 million, up till now the biggest single purchase from the card!

Credit cards close up
But what is really the charm in this card that people are willing to pay initiation fees worth $7500 and an annual fee to the tune of $2500! Well, sorry to pop your eyes out, but you can’t just apply for an Amex Black Card. You get an invitation. Yes you heard it right. Rumors have it that if you are guzzling $250,000 per year and have a net worth above a certain level ($16.3 million, if the talk on the forums is right) then you will get an invitation to join this elite club of American Express.

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While talk of private airport lounge access, priority hotel bookings and free complimentary companion tickets in selected airlines is bound to bore you, wait till you hear the personal concierge service that the Amex is offering its Black Card holders. You will be wishing- you never work for a concierge company like Circles, when its employees have to scoop up sand from the Dead Sea for the school project for the school project of a Black Card holder’s son.
As if that were not enough, you can also gain entry into the Gulf stream Aerospace Private Flyers Club, Virgin Atlantic Flying Club Gold, US Airways Platinum Preferred and Delta Sky Platinum Medallion Club which are among the most exclusive clubs of the world. If you are feeling up to a top end car for shaking away the day’s weariness you can always head to the Avis Rent-a-Car President Club, show your anodized titanium Amex Black Card and drive away in the sunset. While initially this card warranted travel insurance on all trips whether paid by this card or not, the recent financial crunch has reduced the accidental travel insurance to just trips paid for by this card.

Black Cards Visa

Black Cards Visa

The perks also include privileged service in premium hotel chains like Mandarin Oriental, Ritz Carlton and Aman Resorts are among just some of the many secretive benefits you can enjoy with the Amex Black Card. The decision will not be a bad one then, if you are thinking of spending your way into this exclusive group of card holders. The discounts offered on various luxury brands and the premium car rentals are well and good, but if you can just swipe your card and pay for the$100,000 bill of refuelling your yacht at the Hawaiian Islands then in my opinion there is no card with better perks!

 

Managing American Express credit cards

AME cardAmerican express is one of the reliable as well as reputed names in the era of credit cards. They are also efficient as well as worthy enough to meet the demands of consumers. However, American Express offers a wide range of Credit Cards. Three popular American Express Credit Cards include- Blue Cash Everyday Card, Amex Everyday Credit Card and Platinum Card etc. Short descriptions of those cards are provided hereunder:
Blue Cash Everyday Card:
Blue Cash Everyday Card is preferred by all and it is going to offer unparalleled rewards for you. Its annual fee is $75 and if you spend $1000 you will get $150 back for the first three months. Cash back is received in the form of Reward Dollars which can be redeemed quite easily. You may also earn a 2% reward which depends on your gasoline purchases. Departmental stores will reward you 2% but you will get 1 % for other purchases. When you get the ownership of 25 reward-dollars, you may redeem for the merchandise, gift cards as well as statement cards and it is equal to the 25 dollar statement card.

Credit-Card Industry Faces "Volcanic" Senate Eruption
Amex Everyday Credit Card:
If a person is looking for reward points on his everyday spending, he may move for the Amex Everyday Credit Card. In Amex Everyday Credit Card, if you spend $1000 in the first three months, you’ll earn 10,000 membership points. You can use membership reward -points for booking your flights, cruise or hotels. There is no need of annual free for the Amex Everyday Credit Card.
Platinum Card from American Express:
Platinum Card from American Express requires 0$ annual fee and you may earn 10,000 membership points on spending $1000 in the first three months. There is also the Platinum Card Concierge service which can be used for getting the opportunities of reservations, travel, gifts etc. In this case, if you spend $3000, you’ll earn 40,000 membership points as reward. There are many other opportunities of earning membership points which depend upon your shopping as well as spending. If you can spend more, than you will be capable of earning more points. You may use these points for booking hotels, vacations as well as many other purposes. There are also many other cards offered by the American express. American Express is ranked the top position among the top 10 credit card issuers for customer’s satisfaction. They are also committed to serve the customers with their 24 hours services.

Amex
Besides good customer service, American Express cards offer additional benefits such as extended warranty, purchase, travel accident insurance as well as return protection. Each card comes with a variety of services which will provide you comfort, when you are traveling or shopping. Manage your identity and account information for the further advancement of your daily life. However, American Express Credit Cards are able to fulfill your requirements. So get an American Express Credit Card, use it and discover an array of attractive benefits in key destinations worldwide.

 

How to Get Good Credit Score

In today’s ever demanding economic times, getting a good credit score is really becoming a hurdle for a lot of people. Your credit score is vital and that’s what most lending institutions use to qualify you for a loan. There is no secret formula for establishing a strong credit score, but these few guidelines will help in answering the question, how to get good credit score.

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Always pay your bills on time
This goes without say that paying your bills on time contributes to a good credit score. Your electricity and water bills count here. To ensure that your bills are paid on time, set up automatic payments or electronic reminders. Paying bills late, even if it’s a few days later may have a negative impact on your credit score. If you have missed paying on time, try as much as possible to get current within the shortest period and stay current.
Apply for credit only if you need it.
Before you are given credit, your most recent credit activity will have to be checked to show your need for credit. If you seem to be applying for credit often over a short duration, it may have a bad reflection on the lenders. This may make them think that your economic circumstances are not up to par with your living standards.
Repay any debt you owe
It’s easy to tell somebody to do this, but it takes lots of discipline. Repaying your debts will give you better sleep and peace of mind .You will need to stop using your credit cards. Here is how to get a good credit score by repaying your debts; Collect all the credit cards that have small balances and pay them off at once. Pick one or two cards for which you will be using for everything. This helps in cleaning your credit report since you do not have so many little balances all over.

Having a long history of credit helps in improving your score
Sound weird, right? A good credit score is based on experience over a long period of time. If you are highly experienced with getting credit and paying bills on time, then there is more information available about you that will help in determining whether you are a good credit risk.

Excellent Credit Score
Always check your credit report
Some people never get to know their credit score until when they are faced with a problem and they want to get a loan or a mortgage. It’s always wise to check your credit report to be sure that the amounts owed for all your accounts is correct and that there were no late payments that were erroneously added to your credit report. If you find any such errors, it’s important to file a dispute with the necessary authorities to have the issue solved.
Avoid getting close to your credit limit
Always strive to keep your credit balances as low as possible. When your credit score is being calculated, how close you are to exhausting your credit limit is often checked. A lot of experts will advise that you keep your credit use to not more than 30 percent.

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These are just some of the ways on how to get good credit score. There are so many other factors that ultimately contribute to a great credit score.