AMEX AA action on DGF everyday card UPDATE 7/19

[kdm31091]

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@red259 wrote:

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@kdm31091 wrote:

The "something else going on here" IMO is unrealistic expectations, which is kind of Amex's fault. They give out 3x CLIs like candy and mislead people, when really what they need to do is STOP the 3x policy, IMO.

If they simply pared down their CLIs to more reasonable levels, nobody would end up with a 60k limit, and this would not happen as frequently. Of course it's up to the individual not to max out the card and pay minimum anyway, but the huge limit sometimes over tempts people.

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I don't think its unreasonable expectations. I know my amex limits tend to be consistent with my chase limits and they don't giove out those high limits to people as easily as cap 1 does, so I do not think amex needs to start giving lower limits at all. I also do not think its unreasonable for people to expect to be able to use their card without AA assuming they are acting reasonably. DId I miss something here? Who has a 60k limit? Certainly not OP. In fact amex pretty much becomes much more of a stcikler when you start getting up at that level wanting to see income verification etc. 

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It was an example, the point is that some people have limits far, far, far greater than what they need and that can lead to trouble. With Amex doing the 3x thing frequently it contributes to that. However, at the end of the day it's personal responsibility. Some people just don't handle credit cards well though (not OP).

[red259]

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@longtimelurker wrote:

I expect that few people outside this type of forum know about the 3x CLI policy anyway, so no great need for Amex to stop it.   Now people outside these forums probably don't get too bent out of shape by CLDs either, so it's not a "real world" problem.

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I'm pretty sure people outside these forumns do get out of shape about it as well. If someone is getting balance chased on their credit card they are going to be annoyed. All of a sudden they can't charge new things. Of course those people are likely to just go out and get a card with a different lender and just throw amex out. 

[longtimelurker]

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@red259 wrote:

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@longtimelurker wrote:

I expect that few people outside this type of forum know about the 3x CLI policy anyway, so no great need for Amex to stop it.   Now people outside these forums probably don't get too bent out of shape by CLDs either, so it's not a "real world" problem.

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I'm pretty sure people outside these forumns do get out of shape about it as well. If someone is getting balance chased on their credit card they are going to be annoyed. All of a sudden they can't charge new things. Of course those people are likely to just go out and get a card with a different lender and just throw amex out. 

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I agree about balance chasing, but general CLDs, I am not sure that people would feel as hurt as they do here, where CLs is part of self-worth.

[kdm31091]

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@longtimelurker wrote:

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@red259 wrote:

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@longtimelurker wrote:

I expect that few people outside this type of forum know about the 3x CLI policy anyway, so no great need for Amex to stop it.   Now people outside these forums probably don't get too bent out of shape by CLDs either, so it's not a "real world" problem.

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I'm pretty sure people outside these forumns do get out of shape about it as well. If someone is getting balance chased on their credit card they are going to be annoyed. All of a sudden they can't charge new things. Of course those people are likely to just go out and get a card with a different lender and just throw amex out. 

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I agree about balance chasing, but general CLDs, I am not sure that people would feel as hurt as they do here, where CLs is part of self-worth.

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It's kind of OT but anyone who defines themselves or finds worth in their credit limits should probably find something more fulfilling. Having good credit gets you good limits, yes, and it can be an achievement, but there are much greater things one can achieve to make themselves feel worthy and fulfilled. Credit should not serve this purpose, as that leads to over-apping, addiction and just plain unhealthy habits, IMO. It should not rule your life or define you.

[red259]

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@longtimelurker wrote:

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@red259 wrote:

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@longtimelurker wrote:

I expect that few people outside this type of forum know about the 3x CLI policy anyway, so no great need for Amex to stop it.   Now people outside these forums probably don't get too bent out of shape by CLDs either, so it's not a "real world" problem.

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I'm pretty sure people outside these forumns do get out of shape about it as well. If someone is getting balance chased on their credit card they are going to be annoyed. All of a sudden they can't charge new things. Of course those people are likely to just go out and get a card with a different lender and just throw amex out. 

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I agree about balance chasing, but general CLDs, I am not sure that people would feel as hurt as they do here, where CLs is part of self-worth.

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I dunno people in general are pretty vain. 

[red259]

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@longtimelurker wrote:

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@red259 wrote:

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@longtimelurker wrote:

I expect that few people outside this type of forum know about the 3x CLI policy anyway, so no great need for Amex to stop it.   Now people outside these forums probably don't get too bent out of shape by CLDs either, so it's not a "real world" problem.

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I'm pretty sure people outside these forumns do get out of shape about it as well. If someone is getting balance chased on their credit card they are going to be annoyed. All of a sudden they can't charge new things. Of course those people are likely to just go out and get a card with a different lender and just throw amex out. 

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I agree about balance chasing, but general CLDs, I am not sure that people would feel as hurt as they do here, where CLs is part of self-worth.

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Well even people who are here if they think these CLs has something to do with their self worth then they really need to reevaluate their priorities as that is just unhealthy. 

[kdm31091]

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@red259 wrote:

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@longtimelurker wrote:

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@red259 wrote:

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@longtimelurker wrote:

I expect that few people outside this type of forum know about the 3x CLI policy anyway, so no great need for Amex to stop it.   Now people outside these forums probably don't get too bent out of shape by CLDs either, so it's not a "real world" problem.

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I'm pretty sure people outside these forumns do get out of shape about it as well. If someone is getting balance chased on their credit card they are going to be annoyed. All of a sudden they can't charge new things. Of course those people are likely to just go out and get a card with a different lender and just throw amex out. 

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I agree about balance chasing, but general CLDs, I am not sure that people would feel as hurt as they do here, where CLs is part of self-worth.

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Well even people who are here if they think these CLs has something to do with their self worth then they really need to reevaluate their priorities as that is just unhealthy. 

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Agreed. Extremely unhealthy. Sadly there are a few people on here who I think definitely define themselves by it.

[Ghoshida]

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@kdm31091 wrote:

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@red259 wrote:

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@longtimelurker wrote:

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@red259 wrote:

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@longtimelurker wrote:

I expect that few people outside this type of forum know about the 3x CLI policy anyway, so no great need for Amex to stop it.   Now people outside these forums probably don't get too bent out of shape by CLDs either, so it's not a "real world" problem.

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I'm pretty sure people outside these forumns do get out of shape about it as well. If someone is getting balance chased on their credit card they are going to be annoyed. All of a sudden they can't charge new things. Of course those people are likely to just go out and get a card with a different lender and just throw amex out. 

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I agree about balance chasing, but general CLDs, I am not sure that people would feel as hurt as they do here, where CLs is part of self-worth.

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Well even people who are here if they think these CLs has something to do with their self worth then they really need to reevaluate their priorities as that is just unhealthy. 

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Agreed. Extremely unhealthy. Sadly there are a few people on here who I think definitely define themselves by it.

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Come on ! Are you saying I spent all these years chasing the wrong goal? 

Didn't expect that from you. What am I going to live by now?

[longtimelurker]

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@Ghoshida wrote:

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@kdm31091 wrote:

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@red259 wrote:

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@longtimelurker wrote:

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@red259 wrote:

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@longtimelurker wrote:

I expect that few people outside this type of forum know about the 3x CLI policy anyway, so no great need for Amex to stop it.   Now people outside these forums probably don't get too bent out of shape by CLDs either, so it's not a "real world" problem.

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I'm pretty sure people outside these forumns do get out of shape about it as well. If someone is getting balance chased on their credit card they are going to be annoyed. All of a sudden they can't charge new things. Of course those people are likely to just go out and get a card with a different lender and just throw amex out. 

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I agree about balance chasing, but general CLDs, I am not sure that people would feel as hurt as they do here, where CLs is part of self-worth.

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Well even people who are here if they think these CLs has something to do with their self worth then they really need to reevaluate their priorities as that is just unhealthy. 

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Agreed. Extremely unhealthy. Sadly there are a few people on here who I think definitely define themselves by it.

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Come on ! Are you saying I spent all these years chasing the wrong goal? 

Didn't expect that from you. What am I going to live by now?

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Yes, we have to be FSR to that segment who actually have no self-worth, EXCEPT for a decent CL.  Don't take it away from them!

[Anonymous]

Let's back up a moment here. AMEX "3X CLI" fame isn't because they will give you a 3X CLI just for asking. It is earned. Secondly, they do not always give out 3X. Sometimes they don't even do 1.2X. And sometimes they freeze your card out of nowhere and say they will call and don't and then send an email that if they don't hear from you, they will close it.