topic Re: Closed AMEX BCP in Credit Cards

Closed AMEX BCP

Anonymous — Mon, 20 Apr 2015 18:21:48 GMT

I just closed my AMEX BCP as I was getting tired of being inconvenienced every time I wanted to redeem any rewards. First, by having rewards delayed by an entire month, sometimes even longer. Having to redeem in $25 increments, then having to input my last 4-digits, e-mail address and phone number, just to get a statement credit for an account I'm already logged into.

I won't even go into how their customer service has declined over the years. I'm glad to be free of AMEX at this point, I don't see how anyone can stand them anymore.

Re: Closed AMEX BCP

Anonymous — Mon, 20 Apr 2015 18:23:19 GMT

@Anonymous wrote:
I just closed my AMEX BCP as I was getting tired of being inconvenienced every time I wanted to redeem any rewards. First, by having rewards delayed by an entire month, sometimes even longer. Having to redeem in $25 increments, then having to input my last 4-digits, e-mail address and phone number, just to get a statement credit for an account I'm already logged into.

I won't even go into how their customer service has declined over the years. I'm glad to be free of AMEX at this point, I don't see how anyone can stand them anymore.

I've never had to input that info for a statement credit.

Re: Closed AMEX BCP

Kenny — Tue, 21 Apr 2015 04:45:52 GMT

I definitely think it's a pain in the butt to redeem on Amex's website and have had to input the information, as well.

Re: Closed AMEX BCP

Anonymous — Tue, 21 Apr 2015 05:34:50 GMT

@Anonymous wrote:
I've never had to input that info for a statement credit.

I did. They treat a statement credit like purchasing a product and drive you through the world's longest and most convoluted shoppiing cart checkout. It is a bit ridiculous.

Re: Closed AMEX BCP

Anonymous — Tue, 21 Apr 2015 05:43:07 GMT

It is a bit inconvenient. SimplyCash is different. Cash back is automatically issued as a statement credit every month with no $25 redemption required. Not sure why they dont make it this simple for all cash back cards 😑

Re: Closed AMEX BCP

Anonymous — Tue, 21 Apr 2015 11:34:45 GMT

Hopefully this is not a bad sign of things to come with my new Amex account that is only 2 months old. I STILL HAVE NOT RECEIVED any rewards and the second statement has cut already. I should have received 10,000 for the initial bonus please 4,563 for what I have spent. Every time I call it says "14,563 pending points after payments post". I am like dude ALL payments have posted for weeks.

Most companies you get right away or right after a statement cut. It makes me nervous and when I called and spoke to a supervisor they have no CLUE. She was like well sir those are a lot of points. I'm like **bleep**??

Re: Closed AMEX BCP

Anonymous — Tue, 21 Apr 2015 11:39:26 GMT

I haven't really had any issues with it, although I only collect the rewards on Amex every six months to a year, so maybe it just isn't that much of a bother.

Re: Closed AMEX BCP

Closingracer99 — Tue, 21 Apr 2015 11:53:54 GMT

@Anonymous wrote:
Hopefully this is not a bad sign of things to come with my new Amex account that is only 2 months old. I STILL HAVE NOT RECEIVED any rewards and the second statement has cut already. I should have received 10,000 for the initial bonus please 4,563 for what I have spent. Every time I call it says "14,563 pending points after payments post". I am like dude ALL payments have posted for weeks.

Most companies you get right away or right after a statement cut. It makes me nervous and when I called and spoke to a supervisor they have no CLUE. She was like well sir those are a lot of points. I'm like **bleep**??

You're fine. It typically takes 2 statements to get the rewards but could be longer but rarely. I have an ED and BCE and 99% of the time i get them after the 2nd statement cuts but once I got them around 2 and a half months.

As far as the OP goes I wouldn't necessarly Close any Amex card down specially if you shop at Costco because until next year you'll need one to use credit at Costco stores but they do take any on their website and you don't even need a membership to shop there though I think there might be a fee. I also find their customer service still one of the best along with Chase's CSP customer service .

Re: Closed AMEX BCP

ksantangelo23 — Tue, 21 Apr 2015 15:00:28 GMT

BCP used to be my daily driver until I switched to my Surpass in May 2014. Back then, I used to get rewards calculated every statement, minus pending charges with no delay at all on BCP. It is still that way with my Surpass.

When did it change?

Re: Closed AMEX BCP

Anonymous — Tue, 21 Apr 2015 15:16:47 GMT

At least you can redeem your rewards monthly, I can only redeem mine once a year (Costco). After being in the credit card game and learning, I don't understand the allure with Amex.

Re: Closed AMEX BCP

icloud2525 — Tue, 21 Apr 2015 16:11:46 GMT

I for one gladly go through a 2 minute ordeal to recieve 6% back on groceries and 3% on gas station charges.

Re: Closed AMEX BCP

Anonymous — Tue, 21 Apr 2015 16:16:49 GMT

I have complained about the check out process on the Amex forum, and they claim they are looking into it (although I am not holding my breath!)

While entering the CCID, email and phone are annoying, I guess they could claim some security reason (even though I am logged in). But the bit with no justification is choosing the redemption amounts.

So if I have say $200, I have to choose if I want 8*$25, 4*$50, 2* $100, or various combinations, such as 1x$100, 1x$50 and 2*$25 when it makes no difference whatsoever as to what happens (I get a $200 credit). If they were sending gift cards, yes, it would make sense, but for this, absolutely pointless. Other sites allow you to enter the value you want to redeem, and done!

Re: Closed AMEX BCP

ksantangelo23 — Tue, 21 Apr 2015 16:41:59 GMT

@Anonymous wrote:
I have complained about the check out process on the Amex forum, and they claim they are looking into it (although I am not holding my breath!)
While entering the CCID, email and phone are annoying, I guess they could claim some security reason (even though I am logged in). But the bit with no justification is choosing the redemption amounts.

So if I have say $200, I have to choose if I want 8*$25, 4*$50, 2* $100, or various combinations, such as 1x$100, 1x$50 and 2*$25 when it makes no difference whatsoever as to what happens (I get a $200 credit). If they were sending gift cards, yes, it would make sense, but for this, absolutely pointless. Other sites allow you to enter the value you want to redeem, and done!

But it's such a negligible "hassle" that it is not worth considering when deciding to get a new or keep an old BCP account. I redeemed $425 last year, and it was no problem at all selecting $100 4 times, and $25 one time. Roughly 10 seconds.

Logging in again as well took me but 10 seconds as well.

It may be more steps than other programs, but again, its negligible.

Re: Closed AMEX BCP

Anonymous — Tue, 21 Apr 2015 17:19:53 GMT

@ksantangelo23 wrote:
@Anonymous wrote:
I have complained about the check out process on the Amex forum, and they claim they are looking into it (although I am not holding my breath!)
While entering the CCID, email and phone are annoying, I guess they could claim some security reason (even though I am logged in). But the bit with no justification is choosing the redemption amounts.

So if I have say $200, I have to choose if I want 8*$25, 4*$50, 2* $100, or various combinations, such as 1x$100, 1x$50 and 2*$25 when it makes no difference whatsoever as to what happens (I get a $200 credit). If they were sending gift cards, yes, it would make sense, but for this, absolutely pointless. Other sites allow you to enter the value you want to redeem, and done!
But it's such a negligible "hassle" that it is not worth considering when deciding to get a new or keep an old BCP account. I redeemed $425 last year, and it was no problem at all selecting $100 4 times, and $25 one time. Roughly 10 seconds.

Logging in again as well took me but 10 seconds as well.

It may be more steps than other programs, but again, its negligible.

Oh, I agree it's not a make or break about getting the card. I just thought it was worth complaining on the Amex forum, because it actually does annoy me every month

Re: Closed AMEX BCP

Jmill79 — Tue, 21 Apr 2015 22:22:00 GMT

@icloud2525 wrote:
I for one gladly go through a 2 minute ordeal to recieve 6% back on groceries and 3% on gas station charges.

Big +1, I just let it sit in there all year anyway. Makes for a nice Christmas bonus on the card payment for Christmas spend.

Re: Closed AMEX BCP

dollar_bill — Tue, 21 Apr 2015 22:33:09 GMT

I've said it before I love using this card at the local Safeway. I look down in my cart and see alcohol and I smile knowing I'm getting 6% back on an ice cold 12 pack. Feels like I'm getting away with one, love it. If you're into gift cards you can buy store cards and still get the 6%. Here you go Jonny, happy birthday! Wow, thanks for the $100 gift card! Meanwhile you're thinking "hah it only cost me $94".