Don't be me - I poked the Amex bear

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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MemberSince99
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Postby MemberSince99 » Fri May 31, 2013 7:32 pm

ztnjpv wrote:Once it's on your account online. It's basically official. Did you look to see what your credit report said (assuming it's not a biz card)?

I was suddenly backdated online from 2012 to 1993 and I have no idea why. My newest card arrived dated 93. So, I called for a replacement card due to damage on one of my other cards to see what date what wuld be on it. 1993! Simple. Now these are all biz cards so I couldn't verify anything with my credit reports


It hasn't reported yet. The closing date isn't until June 21st so I don't know if it will report before then.


Bksuper
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Postby Bksuper » Fri May 31, 2013 7:37 pm

Amex always reports sometime a few days to a week after the statement cuts. Either way, as others and you yourself have said, the plan should be going back to keeping a low profile.
Sole Ownership Cards:
1st Financial Bank Platinum Student Visa, $500 CL, Open Since 3/2012
Citi Forward Student Visa, $6k CL, Open Since 10/2012
Costco TrueEarnings Amex, $6k CL, Backdates to 1/2012
SallieMae Rewards Barclay Mastercard, $2.5k CL, Open Since 4/2013
Jointly Owned Cards (co-owner with mom, not AU, used and paid only by me):
Chase Amazon Rewards Visa Signature, $2k CL, Open Since 8/2012
US Bank Cash+ Visa Signature, $13.5k CL, Open Since 10/2012
Authorized User (Parents Pay/Use)
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MemberSince99
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Postby MemberSince99 » Fri May 31, 2013 7:37 pm

Robrus1 wrote:Awesome! Congratulations on surviving the Amex bear attack. Now, quit poking that bear!


Dude, you know, I really want that BCP, but, I'm going to do my best to stay in the "garden".

I'm giving serious thought to moving my checking account to Chase. I have 1 small monthly auto pay set up on each of the Associated cards, I just don't see where I'm really going to use them anymore. I want the dollars to go into these cards in this order:
1. Amex Gold
2. CSP
3. FNBO

That Fidelity is a fine rewards card with a 2% across the board and a nice limit, but I'm finding it tough to see where it fits in. The BofA card is basically good for the "deals" they send you where you can get 10 or 15% back. If it's stuff I would buy anyway I'm all over it, but otherwise I don't really use that card at all.

I just need to give some long hard thought to how much credit I need and can use and my priorities here. I almost have too much because I can't keep everyone profitable on my income. 2, even 3 lenders I could work with, but after that, I just am not rich and I don't have the spend to justify some of these accounts, being brutally honest. But I don't really want to close them either so I don't know what to do. Maybe a round of drinks will bring clarity. If nothing else, it will feel good :)

But I think I pretty much have too much credit for my income level. I'm not sure I feel right about stringing some company along with an unprofitable account, even though it's easy enough to just buy a pack of gum every other month and keep it open. But if they manually review it they will see it's not worth their time to keep open. I don't know what to do. Do I cut the ones I really won't use?

Robrus1
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Postby Robrus1 » Fri May 31, 2013 8:46 pm

First of all, I wouldn't feel bad about keeping cards that you aren't using, it helps your AAoA and utilization as you know. I'm sure most of America pays credit card interest, probably pretty high interest at that, which should more than cover what it costs the lender to keep the account open, so I wouldn't feel bad at all. I have never used my Capital One card, not even once. My credit union card has one auto payment every month and that's it. I'd just leave well enough alone and sock drawer the stuff you don't want to run money through and I wouldn't worry about them being closed due to inactivity if you're considering canceling them anyway. My suggestion would be to make sure you get your CSP signup bonus, spend some quality time with the Amex bear, and think on it for a bit. Have a beer for me, I'm working late tonight.
Amex Platinum
Amex BCP 21K
Amex SPG 5K
Barclaycard Arrival Plus WEMC 5K
Chase Sapphire Preferred 23.5K
Credit Union 10K
Discover IT 7.75K

kqwqk27
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Postby kqwqk27 » Sat Jun 01, 2013 12:19 am

Well reading this thread almost gave ME a panic attack.

Glad it all worked out and congrats again.
My Cards:
Capital One Platinum MasterCard ($500)
Capital One Platinum Visa ($2k)
BofA Visa ($4k)
Citi ThankYou Preferred ($6.5k)
Chase United MileagePlus Club ($8k)
Discover IT ($8k)

MemberSince99
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Postby MemberSince99 » Sat Jun 01, 2013 12:25 am

Bksuper wrote:Amex always reports sometime a few days to a week after the statement cuts. Either way, as others and you yourself have said, the plan should be going back to keeping a low profile.


You know what? I'm just going to treat it as I would any other card. If I say or do something that hacks them off and causes them to F/R me and close my account, I guess so be it, it wasn't meant to be. I'm not going to go out of my way to push them, but I'm not going to live in fear either. I'm just NOT NOT NOT NOT repeat NOT going to live like that. Not for ANY creditor, not even Amex. End of story. If anyone else wants to tread every step of their life softly in dire fear of this company, well do what you gotta do, but that just isn't going to be me because in my view, no company is worth that.

Just my 2 cents. I'm going to use it, pay it, and if I still have it in 6 months, go for a revolver. If not, I'm sure Chase and FNBO will be happy to get the swipes.

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Z06Biker
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Postby Z06Biker » Sat Jun 01, 2013 1:33 pm

Wow...just caught up with this epic saga. Glad it all worked out and that you stuck it to The Man! Well, rather, you were sort of cowering in fear of him, but in the end, you won out. ;)
AMEX: PRG Gold, Business Simply Cash, Business Costco, BCE.
Chase: United MileagePlus Club, Sapphire Preferred, Amazon Rewards
Barclaycard Arrival World Mastercard
HSBC Cash or Fly World Mastercard
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FastSRT8
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Postby FastSRT8 » Sat Jun 01, 2013 2:03 pm

Z06Biker wrote:Wow...just caught up with this epic saga. Glad it all worked out and that you stuck it to The Man! Well, rather, you were sort of cowering in fear of him, but in the end, you won out. ;)


The Centurion pictured on all cards is a mythical figure LOL..... Bet you the guy they molded the image from is some weakling. Glad you hung in there and faced him face to face.
Carpe diem quam minimum credula postero!

MemberSince99
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Postby MemberSince99 » Sat Jun 01, 2013 4:24 pm

FastSRT8 wrote:The Centurion pictured on all cards is a mythical figure LOL..... Bet you the guy they molded the image from is some weakling. Glad you hung in there and faced him face to face.


That just ruined my whole image of the Centurion. I was imagining some rambo type with sword and shield. Or maybe the dude who did the first Marathon.

MB131174
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Postby MB131174 » Sat Jun 01, 2013 5:36 pm

I think AmEx should change things up a bit now. When applying online for the CLI, the "SUBMIT" button should be changed to say "POKE THE BEAR".
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