I just realized I don't have a regular Visa card...

For just about anything you want to get off your chest about credit cards.
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otter
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Location: Grand Forks, ND

Postby otter » Mon Aug 11, 2014 8:47 pm

MemberSince99 wrote:Wow otter you have a nice spade I didn't realize you'd been gardening that long


I'm in the accelerated gardening program. Hydroponics and genetic engineering are where it's at! I'm sure I'd be banned on fico (if I wasn't already banned) for using a spade I hadn't earned yet!
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


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otter
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Postby otter » Mon Aug 11, 2014 9:09 pm

onion wrote:Congrats! I love my BCE. If you were instantly approved, you can make an account right now with AmEx to find out your limit.


The BCE used to be my go to card until I got the Sallie Mae. That coupled with two CLI request denials makes it a close race with the Duck card for the card I cancel first. I've got several other cards which will give me 3% on groceries and 2% on gas. I don't like OCCU, but it's a lot harder to swallow a $10000 decrease in total CL, but BCE;s toy $1000 limit gone wouldn't hurt at all. If they decline my next CLI, the blue card goes out of the sockdrawer straight to the shredder.
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

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CarefulBuilder14
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Postby CarefulBuilder14 » Mon Aug 11, 2014 9:40 pm

otter wrote:The BCE used to be my go to card until I got the Sallie Mae. That coupled with two CLI request denials makes it a close race with the Duck card for the card I cancel first. I've got several other cards which will give me 3% on groceries and 2% on gas. I don't like OCCU, but it's a lot harder to swallow a $10000 decrease in total CL, but BCE;s toy $1000 limit gone wouldn't hurt at all. If they decline my next CLI, the blue card goes out of the sockdrawer straight to the shredder.


With rotating categories on It and Freedom, as well my PRG, I'll usually have some decent gas card options. A likely Costco membership in the future would also make most gas cards except TrueEarnings of little value for me.

I can definitely see how a regular 5% off groceries and gas would be very nice with no annual fee. I seriously considered the Sallie Mae and might possibly end up with one. I picked BCE for now, though, because I wanted a decent grocery card as well as an Amex with cash rewards and no AF. The Costco membership will also mean I probably won't spend enough at 'true' grocery stores to make up for the AF on a BCP.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May

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CarefulBuilder14
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Postby CarefulBuilder14 » Mon Aug 11, 2014 10:15 pm

Otter,

I also see that BCE is one of your older accounts. That might mean that closing it and applying again could give a much higher limit where a CLI request would fail. I see your point, though, that getting 2 CLI declines still stings a bit, and you'd expect better from Amex.

If I later close my PRG, get a TrueEarnings, and maybe later get a CSP, then I will have:

Freedom, It, BCE, TrueEarnings, CSP

Five cards with three institutions that generally have good service. I will have a good variety of rewards with fairly low annual card (CSP) and membership (TrueEarnings) fees.

Do you plan to keep your PRG? Or that is scheduled to close if you like the CSP?
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May

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otter
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Postby otter » Tue Aug 12, 2014 3:23 pm

CarefulBuilder14 wrote:Otter,

I also see that BCE is one of your older accounts. That might mean that closing it and applying again could give a much higher limit where a CLI request would fail. I see your point, though, that getting 2 CLI declines still stings a bit, and you'd expect better from Amex.

If I later close my PRG, get a TrueEarnings, and maybe later get a CSP, then I will have:

Freedom, It, BCE, TrueEarnings, CSP

Five cards with three institutions that generally have good service. I will have a good variety of rewards with fairly low annual card (CSP) and membership (TrueEarnings) fees.

Do you plan to keep your PRG? Or that is scheduled to close if you like the CSP?


I'll keep the PRG at least until the annual fee kicks in... I see it as a better version of AAA (which was $110 in Wyoming where I lived when I got the PRG) with rewards. I've decided not to apply for any Amex cards except in January to maximize the effect of backdating.
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

MemberSince99
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Postby MemberSince99 » Wed Aug 13, 2014 6:23 am

That's how I looked at Gold and justified the annual fee for it as well. (AAA)

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CarefulBuilder14
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Postby CarefulBuilder14 » Wed Aug 13, 2014 1:01 pm

otter wrote:I'll keep the PRG at least until the annual fee kicks in... I see it as a better version of AAA (which was $110 in Wyoming where I lived when I got the PRG)


I know with the Premium Roadside Assistance you get up to 4 covered breakdowns each year, during each of which Amex will cover some basic expenses (but the cardholder may pay other related fees). The Enhanced Roadside Assistance provides the same services but Amex will only pay when you're 50 miles or more from home.

With the Roadside Assistance Hotline, which some of the no-AF cards come with, you pay the full cost, which is understandable.

Has anyone had to use both the RAH system as well as PRA or ERA? I'm not totally clear on how they differ, apart from who pays for the costs. I'm assuming that with all three systems, they just call the closest auto service station? Or is the idea that with PRA or ERA they save you from having to pay an arm and a leg to an opportunistic tow driver?

ERA and PRA have towing to 'authorized facilities' but I'm not sure if that means the repair shop has to have a good reputation with past Amex customers.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May

MemberSince99
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Postby MemberSince99 » Wed Aug 13, 2014 1:27 pm

With Gold they will do roadside assistance anywhere from what I saw in the T&C, even in your driveway. I think it's with Green it has to be 50 miles. Anyway, with Gold it's anywhere.

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CarefulBuilder14
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Postby CarefulBuilder14 » Wed Aug 13, 2014 1:50 pm

MemberSince99 wrote:With Gold they will do roadside assistance anywhere from what I saw in the T&C, even in your driveway. I think it's with Green it has to be 50 miles. Anyway, with Gold it's anywhere.


That is true. Gold and up get PRA (best), Green gets ERA (middle), and BCE gets RAH (worst). I just don't know how useful the RAH is, in practice.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May

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CarefulBuilder14
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Postby CarefulBuilder14 » Wed Aug 13, 2014 7:42 pm

I do like it that even some no-AF cards have even low-level access to the benefits that charge card holders have.

But it makes me wonder - how many people who spend $100+ on a charge card's annual fee also drive a car so unreliable that it could realistically break down four times per year? Not very many, I suspect...
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco

Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech
Letting new accounts cool off since May



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