Closed my AmEx cards

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
60 posts
CC Deville
Centurion Member
Centurion Member
 
Posts: 1075
Joined: Thu Aug 04, 2011 7:07 pm
Location: Phoenix

Postby CC Deville » Sat Mar 28, 2015 10:39 pm

popamode72 wrote:One thing i forgot to mention is that i moved 1k from amazon over to the freedom to make it 1.5k but plan to move the rest of the amazon limit over so ill have a 2k freedom. With Chase, the card has to have at least a month of inactivity to be able to do a full CL consolidation. That's one big reason I didn't take too much of an issue with the starting limit because of how easy they make it to move CLs around and how Amazon compared to Freedom is pretty useless. At the time I went for Amazon, I really did not think that I'd be able to get a CSP or a Freedom at all so that was in hindsight.


Are you the same Popamode72 from MyFico? You have been very successful with new accounts. I am very surprised that you have not been declined for new credit. Congrats on your approvals, I see you added Cabela's. Did you apply in store or online? I'd ask you at MyFico but I am not registered :cool:


popamode72
Centurion Member
Centurion Member
 
Posts: 1099
Joined: Sun May 04, 2014 4:41 pm
Location: Atlanta, GA

Postby popamode72 » Sun Mar 29, 2015 12:23 am

CC Deville wrote:Are you the same Popamode72 from MyFico? You have been very successful with new accounts. I am very surprised that you have not been declined for new credit. Congrats on your approvals, I see you added Cabela's. Did you apply in store or online? I'd ask you at MyFico but I am not registered :cool:


Yes I am. I started out there originally but have been posting here too since May of last year.

I applied online and was surprised by the instant approval. I've had my fair share of denials before and it's been a process of trial and error for me but even I'm shocked sometimes at how far I've been able to come from just starting out with a $1k Citi Forward card.
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)

CC Deville
Centurion Member
Centurion Member
 
Posts: 1075
Joined: Thu Aug 04, 2011 7:07 pm
Location: Phoenix

Postby CC Deville » Sun Mar 29, 2015 1:32 pm

popamode72 wrote:Yes I am. I started out there originally but have been posting here too since May of last year.

I applied online and was surprised by the instant approval. I've had my fair share of denials before and it's been a process of trial and error for me but even I'm shocked sometimes at how far I've been able to come from just starting out with a $1k Citi Forward card.


Congrats! You will have to let everybody know the credit line when you get the card.

popamode72
Centurion Member
Centurion Member
 
Posts: 1099
Joined: Sun May 04, 2014 4:41 pm
Location: Atlanta, GA

Postby popamode72 » Mon Apr 06, 2015 1:45 pm

I don't mind the fact that they did a CLD on two of my cards that I wasn't using anymore, Amex ED and Gold Delta Skymiles but the way they suspended all of my accounts right after I called them to ask some questions after I had just sent them documentation to restore my limit was just really underhanded and deceptive IMO. It's almost like the option for account review was bait for them to go full on FR if I took it.

It was even understandable why they had done the CLDs and that I was gonna take a long break from all this apping for CCs business and leave the Amex bear alone to see if they'd restore them long term but they came out with that crap that I wasn't gonna comply with. Never did one bit of MS with them either.

I see fully what you guys were talking about now. Their customer service on the phone is garbage compared to what I've gotten from Chase and others too. I also never liked the lack of acceptance their cards had compared to even Discover's. I can certainly say they won't be in my wallet again for a long time. I'm gonna go back to Citi provided that I let everything age for several months from here on out. It seems like they've really revved up their rewards cards with stuff like TYP and Citi Prestige. Those are the ones I'm eying on.
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)

CC Deville
Centurion Member
Centurion Member
 
Posts: 1075
Joined: Thu Aug 04, 2011 7:07 pm
Location: Phoenix

Postby CC Deville » Mon Apr 06, 2015 5:40 pm

popamode72 wrote:
I see fully what you guys were talking about now. Their customer service on the phone is garbage compared to what I've gotten from Chase and others too. I also never liked the lack of acceptance their cards had compared to even Discover's. I can certainly say they won't be in my wallet again for a long time. I'm gonna go back to Citi provided that I let everything age for several months from here on out. It seems like they've really revved up their rewards cards with stuff like TYP and Citi Prestige. Those are the ones I'm eying on.


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.

popamode72
Centurion Member
Centurion Member
 
Posts: 1099
Joined: Sun May 04, 2014 4:41 pm
Location: Atlanta, GA

Postby popamode72 » Mon Apr 06, 2015 6:18 pm

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)

User avatar
otter
Centurion Member
Centurion Member
 
Posts: 639
Joined: Sat Aug 24, 2013 8:45 pm
Location: Grand Forks, ND

Postby otter » Mon Apr 06, 2015 8:36 pm

Don't blame you for closing your cards, Popa. I would do the same thing. They don't need to see my tax records- that's way too intrusive for me. What comes after the tax forms, Amex? Are you going to ask me to pull down my trousers and cough next, Amex?
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 3754
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Postby CarefulBuilder14 » Mon Apr 06, 2015 10:02 pm

I'm still very confused. What exactly was the order of events with Amex?

Is it normal for them to keep a customer's accounts active when they request information, then disallow or limit usage while they review the information? Is that what happened?

Is it clear what caused the FR and AA to begin? Was there anything specific involving activity with Amex? Or some Amex computer presumably did a soft pull and didn't like the total CL/Income ratio or the new accounts?
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

User avatar
AmEx Bear
Platinum Member
Platinum Member
 
Posts: 57
Joined: Thu Jun 20, 2013 3:38 pm
Location: USA

Postby AmEx Bear » Tue Apr 07, 2015 11:46 am

popamode72 wrote:
It was even understandable why they had done the CLDs and that I was gonna take a long break from all this apping for CCs business and leave the Amex bear alone to see if they'd restore them long term but they came out with that crap that I wasn't gonna comply with. Never did one bit of MS with them either.



I always get blamed for everything bad that happens!
Poke me and I will F/R you

popamode72
Centurion Member
Centurion Member
 
Posts: 1099
Joined: Sun May 04, 2014 4:41 pm
Location: Atlanta, GA

Postby popamode72 » Tue Apr 07, 2015 12:42 pm

AmEx Bear wrote:I always get blamed for everything bad that happens!


Hi MemberSince99!

I'm just kidding. I poked you where you I shouldn't have this time by calling customer service after my CLDs and having more inquiries and new accounts last month than usual, but you overreacted with an FR afterwards. No harsh feelings though. If you wise up and make your cards a lot better, I'll consider you again in the future. Thanks for losing a loyal customer. Your big competitor Chase has won me over full time and you made me think better about Citi too.
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)



Return to “American Express”

Who is online

Users browsing this forum: No registered users and 0 guests