topic Re: RIP Amex BCE in Credit Cards

RIP Amex BCE and Citi Diamond Preferred!

baller4life — Mon, 20 Jul 2015 19:31:30 GMT

Well the purge of useless cards have begun in preparation of fine tuning my portfolio. First up, BCE. Unfortunately Sallie Mae has totally made this card useless to me. And rather than keep it sock drawered, I just decided to close it. I only got it in the first place because I was going to close my old Delta Gold before the fee became due and transfer my $25k limit to BCE which is only $2k. However, I later learned I could simply pc to HHonors which I did. One less card to manage! YAY! Next up Diner's Premier!

Re: RIP Amex BCE

OmarGB9 — Sun, 19 Jul 2015 17:55:35 GMT

Should've given it to me!

Re: RIP Amex BCE

baller4life — Sun, 19 Jul 2015 18:01:31 GMT

@OmarGB9 wrote:
Should've given it to me!

Haha! I don't know how this thread ended up here. I posted in Credit Cards.

Re: RIP Amex BCE

mssher — Sun, 19 Jul 2015 18:09:56 GMT

I'll take your Diners!

Re: RIP Amex BCE

baller4life — Sun, 19 Jul 2015 18:16:20 GMT

Haha wish I could mssher. Not paying $95 af for an unused card.

Re: RIP Amex BCE

CreditCuriosity — Sun, 19 Jul 2015 18:22:48 GMT

Grats on your first purge. I started as well, but mine will take a bit more time.. so far got rid of on QS, still on the block is JCREW along with my current Hhonors card 6 months down to road as will cancel that and PC my Delta into HHonors as well. So that is 3 cards that will be gone.. Still wanna trim a bit more fat, but will have to wait for my new Cap1 cards to be of appropriate age and be able to at least get rid of one more of those.. Credit is such a process of refinement!

Re: RIP Amex BCE

OmarGB9 — Sun, 19 Jul 2015 18:25:20 GMT

@baller4life wrote:
@OmarGB9 wrote:
Should've given it to me!
Haha! I don't know how this thread ended up here. I posted in Credit Cards.

We are in credit cards...lol

Re: RIP Amex BCE

baller4life — Sun, 19 Jul 2015 18:29:43 GMT

It sure is a process of refinement CC. I'm only keeping and apping for cards I will actually use! I Wil combine Venture into QS in December. So Venture is on chopping block. And I WISH Navy Fed was more consistent on allowing us to combine cause I would move my Cashrewards limit to Platinum MC and close it as well. I don't need two 1.5% cash back cards. Apps left are AARP and Penfed Plat Cash Rewards. It will be my dedicated gas card!

Re: RIP Amex BCE

baller4life — Sun, 19 Jul 2015 18:30:39 GMT

@OmarGB9 wrote:
@baller4life wrote:
@OmarGB9 wrote:
Should've given it to me!
Haha! I don't know how this thread ended up here. I posted in Credit Cards.
We are in credit cards...lol

Now we are lol. I asked mod to move to right place.

Re: RIP Amex BCE

OmarGB9 — Sun, 19 Jul 2015 18:31:41 GMT

Oh lol well when I replied I thought it was in CCs, but then again I jump around between the 3 forums, so I could be mistaken. Haha.

Re: RIP Amex BCE

taxi818 — Sun, 19 Jul 2015 18:39:10 GMT

@baller4life wrote:
Well the purge of useless cards have begun in preparation of fine tuning my portfolio. First up, BCE. Unfortunately Sallie Mae has totally made this card useless to me. And rather than keep it sock drawered, I just decided to close it. I only got it in the first place because I was going to close my old Delta Gold before the fee became due and transfer my $25k limit to BCE which is only $2k. However, I later learned I could simply pc to HHonors which I did. One less card to manage! YAY! Next up Diner's Premier!

Baller? Should i take your Temperature? Are you alright?. Don't say you are even thinking about closing the DinersClub. Yikes!!!!. As im waiting to get the elite. There is not way it is affecting you. Not AAoA or anything else. Im just checking.

Re: RIP Amex BCE

baller4life — Sun, 19 Jul 2015 18:42:03 GMT

Haha ok taxi. Send me the $95 af for this sock drawered card.

Re: RIP Amex BCE

Anonymous — Sun, 19 Jul 2015 18:44:28 GMT

Good call. No sense paying that kind of money for something you don't use.

Re: RIP Amex BCE

baller4life — Sun, 19 Jul 2015 18:48:21 GMT

Thanks JonE. August 1st I can request another cli on HHonors if I choose. Will probably request $30k and then be done with Amex.

Re: RIP Amex BCE

taxi818 — Sun, 19 Jul 2015 18:50:28 GMT

@Anonymous wrote:
Good call. No sense paying that kind of money for something you don't use.

That $95 is well worth the Hidden TL. Usage or Not. The Fact that you can Charge at will with no affect what so ever to your fico. says volumes. Its not like it is a regular Tl. so pony up. save the pennys. But pay.

Re: RIP Amex BCE

mikelo22 — Sun, 19 Jul 2015 19:37:50 GMT

I regret mine too. It's been nice carrying a balance on it for a while, but that free ride ends in two months. After that, I don't have much use for it. I originally thought I could PC it to the ED, but I can't. It's not hurting me to keep it open though, and sometimes the Amex Offers are pretty useful.

Re: RIP Amex BCE

-Cal- — Sun, 19 Jul 2015 19:41:11 GMT

@mikelo22 wrote:
I regret mine too. It's been nice carrying a balance on it for a while, but that free ride ends in two months. After that, I don't have much use for it. I originally thought I could PC it to the ED, but I can't. It's not hurting me to keep it open though, and sometimes the Amex Offers are pretty useful.

Amex Offers is a great reason to keep a free Amex card open.

Re: RIP Amex BCE

baller4life — Sun, 19 Jul 2015 19:46:47 GMT

@-Cal- wrote:
@mikelo22 wrote:
I regret mine too. It's been nice carrying a balance on it for a while, but that free ride ends in two months. After that, I don't have much use for it. I originally thought I could PC it to the ED, but I can't. It's not hurting me to keep it open though, and sometimes the Amex Offers are pretty useful.
+1

Amex Offers is a great reason to keep a free Amex card open.

I still have HHonors and get great offers.

Re: RIP Amex BCE

baller4life — Sun, 19 Jul 2015 19:50:32 GMT

@taxi818 wrote:
@Anonymous wrote:
Good call. No sense paying that kind of money for something you don't use.
That $95 is well worth the Hidden TL. Usage or Not. The Fact that you can Charge at will with no affect what so ever to your fico. says volumes. Its not like it is a regular Tl. so pony up. save the pennys. But pay.

Well here's the thing. True it's a hidden tl. But I'm not feeling paying 13.5% apr on a card and I have a 8% Ring and a promotional 6.99% apr HHonors. So if I needed to carry a balance, I would do so on a much lower apr card. Or use the hidden RBFCU 8.90% apr ploc I'm apping in a few months.

Re: RIP Amex BCE

taxi818 — Sun, 19 Jul 2015 20:01:08 GMT

@baller4life wrote:
@taxi818 wrote:
@Anonymous wrote:
Good call. No sense paying that kind of money for something you don't use.
That $95 is well worth the Hidden TL. Usage or Not. The Fact that you can Charge at will with no affect what so ever to your fico. says volumes. Its not like it is a regular Tl. so pony up. save the pennys. But pay.
Well here's the thing. True it's a hidden tl. But I'm not feeling paying 13.5% apr on a card and I have a 8% Ring and a promotional 6.99% apr HHonors. So if I needed to carry a balance, I would do so on a much lower apr card. Or use the hidden RBFCU 8.90% apr ploc I'm apping in a few months.

For sure the ring is a game changer as far as Apr and even promo apr is very good. if you got another hidden Tl. 13.15 is actually not that bad either baller. in my case it is not my lowest. but my Credit union card is 9.99. but wow. Bmo has been good to me. so im loyal. i maxed it out soon as i got it. and slow payed as well. always 2-8 times minimum. but they have never said a single word to me. keep in mind i only have 5k limit. but im sure lots of 20k to 40k limits is what i was thinking. I see you are really getting rid of the Af cards. What did you pc to get the hilton?. I know they will do the Delta as well to hilton if i want no AF card. and i may just do that when i hit 13 months in November. Will you lose your history when you Pc. or they keep the card number the same with the account number?