Just curious... I noticed my exp dates on my 2 new Amexes are 2016, 4 years from now. That is a really long time. My other CCs are 2 years from when I got them; though Navy is 4 yrs, also. Is that typical of Amex? Being a new cardholder, I thought they'd only give me a year or so.
@bichonmom wrote:Just curious... I noticed my exp dates on my 2 new Amexes are 2016, 4 years from now. That is a really long time. My other CCs are 2 years from when I got them; though Navy is 4 yrs, also. Is that typical of Amex? Being a new cardholder, I thought they'd only give me a year or so.
Bichon (I can't bring myself to use just the first 4 letters, it looks like something else to me then LOL);
It's very typical of AMEX, mostly because the majority of the card members tend to stay with them longer for the most part.
A lot of that has to do with who they allow to become a Card Member, their scoring method is quirky but it seems to work for them, they actually have a very low default percentage in the industry. I know at one time they had the lowest.
Once people join AMEX, they just don't tend to leave, at least not for a long time. I'm guessing NFCU isn't much different in that respect. (my cards with them are 4 year EXP too).
Thanks, RyVision. I do plan on being with them a very long time (hopefully!). 
Does yours have a silver strip on the back? Mine didn't even last a year without that strip being worn and sales-people having to manual input my card number. I had to request a brand new one in a matter of months, with moderate usage. I can't imagine people's cards lasting anywhere near 4 years (I know it's not related, but still) without that silver strip being worn.
Starting Score: 648Mine has the silver strip. Though I hardly use the card lol I think last time I used it was December. If the strip wears, great excuse to get a nice new shiny card though, call, explain, they'll send out a new one right away
@RyVision wrote:
@bichonmom wrote:Just curious... I noticed my exp dates on my 2 new Amexes are 2016, 4 years from now. That is a really long time. My other CCs are 2 years from when I got them; though Navy is 4 yrs, also. Is that typical of Amex? Being a new cardholder, I thought they'd only give me a year or so.
Bichon (I can't bring myself to use just the first 4 letters, it looks like something else to me then LOL);
It's very typical of AMEX, mostly because the majority of the card members tend to stay with them longer for the most part.
A lot of that has to do with who they allow to become a Card Member, their scoring method is quirky but it seems to work for them, they actually have a very low default percentage in the industry. I know at one time they had the lowest.
Once people join AMEX, they just don't tend to leave, at least not for a long time. I'm guessing NFCU isn't much different in that respect. (my cards with them are 4 year EXP too).
Interesting. on AMEX FB page they have a listing or video about users who have been with them since 1958. i huess people do stay forever. i wonder if they were given complementary Centurion Cards
Starting Score: 617
