New Delta Reserve - Question about my Existing Platinum Amex

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New Delta Reserve - Question about my Existing Platinum Amex

Postby BBANNG » Fri Feb 13, 2015 8:26 am

As the title suggests, I decided to switch to the Delta Reserve AMEX as the benefits are much more worthwhile to me due to my travel schedule.

My question regards my Platinum AMEX. I've had it since 2011 and I am trying to figure out if I should cancel it outright or ask to swap it down to the lowest level AMEX with lowest fee so I do not have to close that relationship, reduce my average account age (only ~7.5 years or so), and remove the only charge card I have. I am also weary of AMEX reducing the benefits of the Delta Reserve and wouldn't hesitate to go back to Platinum if need be...

Please let me know what you think, the green card has $0 intro then 95 per year fee so it's a free option for at least a year...or do you think having the card and not using it would be worse in AMEX's eyes than just canceling it and having the Delta Reserve account only?

Brad Bishop
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Postby Brad Bishop » Fri Feb 13, 2015 9:57 am

I'd just dump your Platinum if you're going to use Delta Reserve Amex as your main card.

If you want to go back to the Platinum later I wouldn't think it'd be any big deal to call them up and say, "Hey, I want a Platinum." They really just want your $450 AF.

Downgrading to a Green would just seem like throwing $95/yr away to me. It's not like once you've had a Amex Card (or any credit card) and closed it that they won't allow you to apply again at some later date. They want your business. They really only don't want you if you're a high risk to them.

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Postby Battery111 » Fri Feb 13, 2015 12:21 pm

Couple things. You won't take a hit in your AAoA because that account will continue on your report for ten years, although it will report as closed. Additionally since both are cards issued by Centurion Bank itself, they should all have roughly the same age, since Amex backdates accounts to the year of your member since date.

I guess what I'm saying is that if you don't feel you will get value out of the platinum, then I really doubt you'll get value from the green. MAYBE you would get value from the PRG with its reward categories, although the AF is higher than the green. Biggest reason I could see to just downgrading to the green even if you don't think any of their charge cards are valuable to you would be to retain Membership Rewards points you've earned. I'm not sure if that's a concern for you or whether you just always transfer all of your MR over to delta due to your relationship with them.
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Postby BBANNG » Fri Feb 13, 2015 1:43 pm

Thank you both for your help! I think i'm going to drop the card all together and just transfer my points to Delta. I completely forgot that AMEX does the backdating of the account and that is very good to know about AAoA for closed accounts. I also agree that it woudln't be worth the money per year as I would not be using it and it shouldn't be too hard to get the card back! Have a great weekend

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