MemberSince99 wrote:I've never had an Amex FR (knock on wood) but from eveyrthing I've read if you have one and close the cards, ok, but if you apply in the future you are flagged for FR immediately. So you might get approved, but you will still have to comply with FR or face having the card closed.
I see a lot of lack of love for Amex here where they seem to be idolized on the other forum. If they have eliminated backdating on new cards, that would really suck. I think that's a big negative. I was rather hard on them myself when I'd call and get someone I could barely understand who would screw up what I asked them to do - if I wanted that I could have chosen Cap One. To me Amex is kind of a mixed bag - backdating used to be huge, but if it's gone, given the lousy customer service on the low end cards (a lot of which still have annual fees) then it's kind of gone downhill, no doubt. They still have a pretty generous CLI system in place, IF they give you luv. And the perks are good - the rewards are generally nothing special it's the perks if you can use them that give you the value. It's just is it enough value for what you are paying and only you know that.
I've debated whether the Platinum makes sense for me - I haven't travelled since last summer and the fee is coming up. Gold or PRG would make sense for me, but Platinum only does if I travel. I keep hearing I'm going to travel but it hasn't happened. I'm on the fence especially since I have other cards and I don't spend time in lounges even when I travel. Not sure on that. I may do it one more year and then re-evaluate next year.
CSP I'll be honest here - I got it only because it's a metal card. (And Chase is an odd duck when it comes to limits - they seem to be happy give you a new card with a lot more than they'd give you as a CLI on an existing card. Then you just combine limits).
Papa I'm sorry to hear about your Amex experience as I was sorry to read about your Citi experience.
I think CSP is an excellent card though. I've personally gotten much more out of it than having a PRG. UR points have a lot of value when it comes to transferring to other partners. Can't wait until that increased $200 bonus for the Freedom comes out so I can get my offer upgraded to that and I'll have even more UR points racked up. Combined with Freedom, they have both become my main workhorse go to cards to use besides using Discover It of course.