sj632 wrote:The reason I want to transfer because it is a lot better for my credit to transfer it then have a closed account and another hard pull. To me the sign up bonus of 100 or 150 dollars is nothing and for all the affect to my credit it would need to have another zero behind it lol
How much is "a lot better"? Closed accounts in good standing continue to report for 10 years. With a new app you'd have the hard pull and the hit to AAoA. The effect of the pull drops off fairly quickly. How much would it decrease your AAoA?
It sounds to me like you should just close it if you're unhappy with AmEx. Just keep in mind that more than just one person has had a bad experience with just about any company out there. Chase certainly doesn't have a spotless track record. I wouldn't recommend keeping all your eggs in one basket as things can change at any moment.
MemberSince99 wrote:But then isn't all marketing BS if we really think about it?
Not sure I'd say all marketing is BS. It is all spin as it's the company telling you what it wants you to think of its product. However, any consumer that relies on marketing instead of performing his/her own due diligence gets what is deserved. Caveat emptor.