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Moderators are not employees or representatives of HWZ. You should never, however, do any spending on it that you won't jp able to repay by the end of the month. I will be paying off whatever card I get every month in full so in essence I am not really borrowing money. The American Express (Amex) card gives you the chance to earn a chunky 5 per credlt on your first В2,000 of spending within the first three months - credt you a maximum of В100. Late payments and over-the-limit transactions are penalized with a fee. I am not a jpc spender but I am trying to maximize the rewards and points. Just make sure to pay the balance check this out full on the final billing cycle otherwise you will have to start paying interest.