- Centurion Member
- Posts: 1099
- Joined: Sun May 04, 2014 4:41 pm
- Location: Atlanta, GA
CC Deville wrote:I try to avoid customer service at any financial institution if I can help it; the few times I had to contact Amex they were really good. Having said that, different people will have different experiences. I have never found much value to Amex other than the Member Since Date feature that is now gone. I live a rather simple life so I benefit most from cash back. People that travel will find more value in Amex than I would and that is fine. I think you are on the right track now; let the accounts age and let the inquiries fall off. What you have accomplished in a short amount of time is commendable; however, you are already seeing some of the downsides to adding too much too soon.
The good thing about Citibank is that within reason, they will allow PC's, CLI's, APR reductions etc at the request of a good cardholder that uses their accounts often. On the other hand, they have confused American reps, hard-to-understand foreign reps and only recently did they start to get serious about rewards. I really hate their new card designs too. Its fine that they wanted to copy Chase's cool CSP/RITZ cards but the entire portfolio does not need to go to unembossed, info-on-back style cards. I find them tacky others like them. Go figure.
Anyway, back on topic...I was sorry to read about your troubles with Amex on FICO. You are better off with your CSP.
At this point, I just want reliable cards that will work properly when I need them to work. This whole trying to get X amount of credit just doesn't appeal to me anymore and I think all of that will happen on its own in due time. I really don't know how those people on MyFico are able to cope with the stress that this all comes with and part of that came from reading Credit Boards too for a while, which is where I also learned a few tricks here and there to deal with some of the issues that could pop up like inquiries, etc.
I don't need all this worry that Amex is gonna decline X charge and FR me just because I decided to make a particular charge to the card. I can run a lot through Chase and they've never had an issue with how much I've put on the cards or anything. That's part of the reason I never really used Amex as much as I could. I always had to ask their chat for permission just in case a charge of mine looked unusual to them for it to go through. Also their Travel portion of the website just turned out to be a complete letdown for me when I made a mistake in booking a flight. It was a pain having to call them and trying to see if they could change my flight in a way that I wouldn't be charged too many fees to do so. Using my SW points instead ended up being a better deal because I was able to get more back from that, you know.
CSP is definitely a much better card IMO than what Amex had to offer. The kinds of points they offer are much more usable and have a lot more value and they have a greater range of partners I could look at. I'm very fortunate that they've left my credit lines alone and have given me a chance with them. I don't wanna mess that up and they gave me another chance to have a double digit limit card too so taking a break is not only imperative but inevitable too if I want to keep everything stable. I'm still considering closing out the Ritz and moving the rest to CSP if they don't have a problem with that. They already gave me a full refund on my AF since I got that limit down to $1k but I've already closed two Chase cards since my time with them, so I'm afraid it could look risky to them. One was the Southwest card which I got to get in with them and the other as Amazon so I might wait a bit longer and then close it out.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)