The Charge Cards are very different from the Credit Cards in terms of how flexible Amex is. Just use the card like you want to use it. They will either get with the program, allow you to submit the proper documents to get it up where it needs to be for your business, or they won't do anything but remind you to make multiple payments and you know to move on.
There's no sense playing games. I can't believe the lengths people go to to try and outsmart Amex (Starbucks for first purchase, no Wal-Mart, etc.).
I loved my Amex's. But they aren't so absolutely amazing you should be altering your life and habits to suit them. The card is supposed to work for you.
I *never* had a problem with them. I charged anything and everything anyplace and everyplace -- seedy or not. A few times they asked me to call in to "update my profile" (salary, etc.). I sent in tax returns for one of my business accounts. They let me run obscene amounts through my cards.
If they started capping me at 1-2 transactions before I needed to make a payment or if I needed to consider "will Amex not like this type of charge" before using my card at Wal-Mart, they would have been gone and I would have found someone else to deal with.
The whole point of paying the large annual fee was to avoid having to think, not add more things to worry about.
If you have a business that has $25,000 a month in charge volume and Amex doesn't treat you well, someone else will. But I urge you to give them a chance. If you have documentation to back up your request, they can be very accommodating.
We've decided to go ahead with the card. We have docs to support our spend and cash in the bank so we'll see how they do.
I just hope we didn't blow it by being proactive with asking about our charging ability.