@Anonymous wrote:They do look good, however I already have card with similar benifits. Also don't like ho wyou can only redeem the cash back once a year. I'll pass. For now.
+1
The whole once a year redemption thing is a deal breaker.
It's about time! 
@thebusymind wrote:Theyre whole credit card department is really weird. I have two of their cards and I've had them for about 2 years. Last month I got a CLI on both of them, but they couldn't lower the APR on them because "I'd need a new credit card" to do that lol. I think their computer system is really limiting, because theyre very flexible for everything else.
From your lips to God's ears... I absolutely LOVE their insurance and they have bent over backwards to help me when I had insurance claims. That being said, its a crap shoot when dealing with their credit department. I have tried to understand their decisions, I have tried to have them explain it to me. I have tried using a crystal ball. Nothing has worked, so I let them be them and I'm just along for the ride.
That being said, the way they have dealt with suspicious spending with me is fantastic! I quite often make last minute trips all over the world and I never call them to let them know and I have never been declined. A few months ago, I took a last minute trip to Montenegro and I rented a car using my USAA Amex and was called within 30 seconds (no joke) to make sure it was me. So much better than BofA, who declines transactions in VA because, and I quote "you just purchased something D.C. and Maryland, how are you getting to these different states so quickly?" I then proceeded to give a small geography lesson and let them know that from where I was standing I could throw a stone and hit DC or Maryland... Ugh.
@Lyythine wrote:
@thebusymind wrote:Theyre whole credit card department is really weird. I have two of their cards and I've had them for about 2 years. Last month I got a CLI on both of them, but they couldn't lower the APR on them because "I'd need a new credit card" to do that lol. I think their computer system is really limiting, because theyre very flexible for everything else.
From your lips to God's ears... I absolutely LOVE their insurance and they have bent over backwards to help me when I had insurance claims. That being said, its a crap shoot when dealing with their credit department. I have tried to understand their decisions, I have tried to have them explain it to me. I have tried using a crystal ball. Nothing has worked, so I let them be them and I'm just along for the ride.
That being said, the way they have dealt with suspicious spending with me is fantastic! I quite often make last minute trips all over the world and I never call them to let them know and I have never been declined. A few months ago, I took a last minute trip to Montenegro and I rented a car using my USAA Amex and was called within 30 seconds (no joke) to make sure it was me. So much better than BofA, who declines transactions in VA because, and I quote "you just purchased something D.C. and Maryland, how are you getting to these different states so quickly?" I then proceeded to give a small geography lesson and let them know that from where I was standing I could throw a stone and hit DC or Maryland... Ugh.
Good one.
Oh, I would like your Accolades AMEX and JPM Select please 
How do you like the services with UBS?