Will AMEX cancel my card for little or no usage?

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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websteth
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Postby websteth » Sat Mar 05, 2011 11:30 am

Mogul of Pineapples wrote:You're very lucky then!

I agree. I'm actually surprised that some of my cards went up and American Express never lowered my Blue card which is sitting with a limit of $18,000 and not used since I moved to Gold.
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Mogul of Pineapples
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Postby Mogul of Pineapples » Sun Mar 20, 2011 3:59 pm

My Blue card has such a pathetic credit limit right now from being lowered during the recession, it's not worth mentioning. An increase requires a hard pull which is why I have held off on raising it.

Has anyone had luck with getting soft pull increases from Amex in 2011?
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred

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danpass
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Postby danpass » Wed May 25, 2011 2:17 pm

The boss found out today he couldn't use his AMEX Platinum.

I dug into it and found that the card had been canceled due to inactivity (and despite having paid the annual fee back in August). No refund was forthcoming as the card had been used after the annual fee.

They even made "him" (me) reapply for the same card.

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Mogul of Pineapples
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Postby Mogul of Pineapples » Sat May 28, 2011 5:25 pm

I am shocked your boss had his AmEx Platinum card canceled. Are you sure it wasn't canceled because he quit paying the fee? Because as long as you are paying them $450/year I can't see why they would cancel. In fact they should only be so lucky to have members like that, because then American Express is making hundreds per year on an account they don't have to pay for the expense of benefits.

There was a period of time when I went about 2 years not using my Blue and it was not canceled. I think as long as you are actively using at least one of your AmEx accounts you are in the clear or at least that's what my hunch was.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred

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danpass
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Postby danpass » Sat May 28, 2011 7:13 pm

It was pretty rich of them to cancel the card "due to inactivity" (their words) and not pro rate the annual fee lol.



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