There is no obligation to have this card. It’s not something you should have. It is a luxury service if there is any benefit which is more than the cost of accommodation.
One of the major benefits of having a credit card with a large balance is that you can book and pay for hotels with a large credit line.
Are you planning to stay in an expensive hotel, take a cruise or many flights in the future?
However, you will have to pay it with interest in the future.
To have a credit card with a high enough balance for regular use for large purchases, you need a job where you qualify for a high balance when you apply. And then you have to work with it to achieve high balance.
You ask a personal financial question but a personal answer that suits you requires personal information from you. This is why we do not question such financial advice online. Anyone who is qualified to advise you will not be able to help you. If you reallyAnswer, but you have to give a lot more information.
Above all, you need to decide whether a credit card is as valuable as a payment method. These are not necessary for most consumer purchases. If you do not pay the full amount, you will have to pay more. If you forget to pay or become poor in money management, it will go away from youOver the years it becomes more difficult.
There are many formalities, first your salary must be more than 4 and at the same time your civil score must be more than 750. However, your area is important, I would say that your area must be listed there. I think you can apply through Bank Market or Money Market. Explain everything, but please do not apply if your civil score is not more than 750.
Importantly though, keep in mind that the preferences of AMEX and Diners Club International were made in the 1960’s when their target was a very specific market, such as international commercial travelers. May be personal card.
At the time, the criteria for securing an AMEX card were very high because, until the 1990’s, a lot of prestige was involved with holding one.
However, the underwriting and risk analysis component is much more than a credit card (mainly because AMEX is basically a charge card) and needs to be cleaned up completely every month. The main target of thieves
Of course there was the other side of the counter where hotels did not carry large amounts of cash especially on site (where most Amex transactions took place) and in various currencies. ThisWhen it comes to banking, money does not have to be banking through “foreign forever”.
Nowadays it is not so much that it is difficult to get an AMEX card, it is a line of credit that they are ready to give you. Keep in mind that these are not charge cards but credit cards, the difference being that a charge card must be cleared on the due date of invoice presentation. Prestige and the scale of their risk are much higher.
Of course the higher the risk, the lower your credit line and this will be the turning point as far as your question is concerned; And finally remember that AMEX and come to that cart Blanche and Diners Club International, they have no prestige anymore in the 1960s.