What happens when your CC is about to expire?

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agp
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What happens when your CC is about to expire?

Postby agp » Tue Jan 07, 2014 10:27 am

I know banks usually send you a new one, but how far in advance? And are banks different? Should I call and ask for a new one, or just leave the cards alone and see what happens? I bank with Chase, Citi, Amex, Penfed, and Discover.

Should I be worried about my cards getting closed if the card as only seen a few dollars of spending in the last 3-4 years?

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred


travisrauh
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Postby travisrauh » Tue Jan 07, 2014 11:17 am

Agp,

American Express will send out your renewal card approximately 3-4 weeks before the expiration (the last day of the month and year) shown on your card. In order to ensure that your account will not closed due to inactivity, I recommend using your card at least once every six months.
I am an employee of American Express. All posts are those of my own and do not reflect the actions or opinions of AXP. While all efforts are made to ensure accuracy in my posts, for official statements or responses, please consult with @AskAmex on Twitter or dial the number on the back of your card.

dickey1331
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Postby dickey1331 » Tue Jan 07, 2014 9:42 pm

You shouldn't have to call them. I normally receive a new card 1-2 months before it expires.
Platinum Delta Skymiles $12,900
Marriott Rewards Premier $12,000
Discover IT $12,000
USAA Cash Rewards $11,000
American Express Blue Cash Preferred $10,000
Chase Sapphire Preferred $6,500
Best Buy $6,000
Chase Freedom $4,500
Zales $4,000
Amazon Prime $4,000

samhradh
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Postby samhradh » Tue Jan 07, 2014 9:42 pm

Assuming your mailing address is up to date, all banks will issue you new cards in advance of expiry date. When they issue will vary but I've found it usually happens about a month in advance.
Citi Forward ($10.1K), AmEx Blue Cash Everyday ($30K), Chase Freedom ($12.4K), Discover it ($5.5K), Barclaycard Arrival ($12.5K), L.L. Bean Visa ($5K). FICO 806 (TU), 812 (EQ), 806 (EX).

MemberSince99
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Postby MemberSince99 » Wed Jan 08, 2014 6:58 am

Kind of a side note, but hopefully they send it quicker than Citi does. Citi told me they sent my new card Dec 26th and it's not here yet. I do realize we had a holiday but if two weeks goes by and I don't see it, I've gotta assume it's lost in the mail. They did not have my address correct despite me calling to correct it twice, so maybe that has something to do with it (they left the last part off, not sure if that would screw it up or not).

daniel2304
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Postby daniel2304 » Wed Jan 08, 2014 8:16 am

MemberSince99 wrote:Kind of a side note, but hopefully they send it quicker than Citi does. Citi told me they sent my new card Dec 26th and it's not here yet. I do realize we had a holiday but if two weeks goes by and I don't see it, I've gotta assume it's lost in the mail. They did not have my address correct despite me calling to correct it twice, so maybe that has something to do with it (they left the last part off, not sure if that would screw it up or not).


Citi seems the slowest one. I applied for Discover It and Citi Dividend on the same day. Discover It card even came before Discover letter explaining my application being reviewed (since I had the More) lolz. Citi Dividend came 3 weeks later.
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takeshi
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Postby takeshi » Wed Jan 08, 2014 11:48 am

agp wrote:And are banks different?

Of course. While they have common regulations there's still quite a bit of leeway when it comes to policies such as this.

agp wrote:Should I call and ask for a new one, or just leave the cards alone and see what happens?

What you should do is up to you to determine. I'd just wait for the replacements.

agp wrote:Should I be worried about my cards getting closed if the card as only seen a few dollars of spending in the last 3-4 years?

Again, creditors vary. Confirm with each creditor what their policy is on closing inactive accounts.



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