I'm in some what of a similar position trying to build my score for the future. I def. try to live within my limit, and I wont lie at times you spend an extra dollar you could save. But to be real with you even that is understandable. If you had a hard week, you've done well no one is saying you can not treat yourself to a meal outside or whatever it might be that makes you happy as long as its within moderation.

Is there any reason you keep pushing for an AMEX? I know I have been considering a new credit card myself...but I haven't limited myself to an Amex just yet. I have been considering AMEX, Discover, and Citi cards. From the looks of it AMEX seems to offer the longest possible length of time for no APR which is 15 months. and Discover is only doing 6 months. Citi doing up to 12 months..

Of what I hear and know I really like Discover cards...but I don't like only getting 6 months no APR. AMEX is AMEX..everyone knows it, and I like their up to 15 months, but at the same time I would think its much easier to get a Citi card than it is an AMEX