> Most banks will report it to your credit bureau - you won't see it in form of points being withheld BUT it might be adverse for you when you try to get a loan

> Most banks will report it to your credit bureau - you won't see it in form of points being withheld BUT it might be adverse for you when you try to get a loan, etc I never knew this! I have heard about companies banning you if you request a CB, which would be really bad for things like Google, Uber, etc. I usually end up having to dispute a charge only once a year or so. It has surprised me over the past few years how lacking AMEX seems to be in its "investigation". It at least used to take a few days and they'd sometimes ask for documentation. The last one I did got turned around in maybe an hour.