topic Re: Just me or is American Express Stepping way back to a more basic line up... in Credit Cards

Just me or is American Express Stepping way back to a more basic line up...

Creditaddict — Fri, 12 Oct 2012 20:08:06 GMT

I feel like Amex almost backed up to 1999 When the Blue first launched... Feel like that was only 2nd or so card that revolved at time and was first time MOST people KNEW you could even have that option on Amex... and still to this day I still hear people say "I don't have American Express because you have to pay it in full each month!"

But Lowes is gone, Zync is gone, 1 Tier out of of Delta is gone, Mercedes Charge Card is gone... Feel like im missing others that are gone too?

Is this all true or?? are they swapping people out to knew stuff or do you grandfathered in if you wish like the Platinum Optima from before Blue in 1999.

Also I thought they were taking away the 6% Grocery on Blue+... no?

Re: Just me or is American Express Stepping way back to a more basic line up...

webhopper — Fri, 12 Oct 2012 20:09:32 GMT

OMG Lowes is gone??!?

Thats not fair

Re: Just me or is American Express Stepping way back to a more basic line up...

webhopper — Fri, 12 Oct 2012 20:11:26 GMT

The Cardat a glance

The Lowe's Business Rewards Card delivers rewards for your purchases at Lowe's and everywhere else American Express® Cards are accepted

3X Lowe's Business Rewards points at U.S. restaurants, at U.S. office supply stores, and on services from U.S. wireless telephone service providers, 2X points at Lowe's, 1X points on other purchases
Points are earned only on eligible purchases
Points can be redeemed for Lowe's Gift Card and American Express® Gift Cards

Lowes is still there silly!

Re: Just me or is American Express Stepping way back to a more basic line up...

Creditaddict — Fri, 12 Oct 2012 20:17:33 GMT

@webhopper wrote:
The Cardat a glance
The Lowe's Business Rewards Card delivers rewards for your purchases at Lowe's and everywhere else American Express® Cards are accepted
3X Lowe's Business Rewards points at U.S. restaurants, at U.S. office supply stores, and on services from U.S. wireless telephone service providers, 2X points at Lowe's, 1X points on other purchases
Points are earned only on eligible purchases
Points can be redeemed for Lowe's Gift Card and American Express® Gift Cards

Lowes is still there silly!

Sorry had only looked at "Personal" when I posted... maybe i was misthinking that it was "ever" offered as personal too!

I think it's a silly card overall unless a very cash flow positive contractor... I would think most would find it better to take the 0% terms on a contractor card while building, remodeling, flipping, whatever the business is then roll through a amex $100k+ and pay it as you go to get the nice rewards back!

Re: Just me or is American Express Stepping way back to a more basic line up...

Anonymous — Fri, 12 Oct 2012 20:19:00 GMT

@Creditaddict wrote:
I feel like Amex almost backed up to 1999 When the Blue first launched... Feel like that was only 2nd or so card that revolved at time and was first time MOST people KNEW you could even have that option on Amex... and still to this day I still hear people say "I don't have American Express because you have to pay it in full each month!"

But Lowes is gone, Zync is gone, 1 Tier out of of Delta is gone, Mercedes Charge Card is gone... Feel like im missing others that are gone too?
Is this all true or?? are they swapping people out to knew stuff or do you grandfathered in if you wish like the Platinum Optima from before Blue in 1999.

Also I thought they were taking away the 6% Grocery on Blue+... no?

They didn't take away the 6% on the BCP, they just put a $6000 annual cap on it. Any purchases in excess of 6k only get 1 percent

Re: Just me or is American Express Stepping way back to a more basic line up...

webhopper — Fri, 12 Oct 2012 20:20:51 GMT

@Creditaddict wrote:
@webhopper wrote:
The Cardat a glance
The Lowe's Business Rewards Card delivers rewards for your purchases at Lowe's and everywhere else American Express® Cards are accepted
3X Lowe's Business Rewards points at U.S. restaurants, at U.S. office supply stores, and on services from U.S. wireless telephone service providers, 2X points at Lowe's, 1X points on other purchases
Points are earned only on eligible purchases
Points can be redeemed for Lowe's Gift Card and American Express® Gift Cards

Lowes is still there silly!
Sorry had only looked at "Personal" when I posted... maybe i was misthinking that it was "ever" offered as personal too!
I think it's a silly card overall unless a very cash flow positive contractor... I would think most would find it better to take the 0% terms on a contractor card while building, remodeling, flipping, whatever the business is then roll through a amex $100k+ and pay it as you go to get the nice rewards back!

I've never seen it offered as personal. I was actually thinking about apping for Lowes Amex next year. I'm glad it hasn't been cancelled.

I don't recall ever seeing it on personal. I used to have a GE backed lowes but they cancelled it w/ no warning.. so I will never get another GE backed lowes card.

Re: Just me or is American Express Stepping way back to a more basic line up...

Creditaddict — Fri, 12 Oct 2012 20:26:06 GMT

@Anonymous wrote:
@Creditaddict wrote:
I feel like Amex almost backed up to 1999 When the Blue first launched... Feel like that was only 2nd or so card that revolved at time and was first time MOST people KNEW you could even have that option on Amex... and still to this day I still hear people say "I don't have American Express because you have to pay it in full each month!"

But Lowes is gone, Zync is gone, 1 Tier out of of Delta is gone, Mercedes Charge Card is gone... Feel like im missing others that are gone too?
Is this all true or?? are they swapping people out to knew stuff or do you grandfathered in if you wish like the Platinum Optima from before Blue in 1999.

Also I thought they were taking away the 6% Grocery on Blue+... no?

They didn't take away the 6% on the BCP, they just put a $6000 annual cap on it. Any purchases in excess of 6k only get 1 percent

I mean it means the card is still worth it.. it out pays you any other options but does that include $6k Cap on 3% Category to or just Grocery?

it's good, it pays for itself but it certainly changes the run for the closest computer if you are the Duggers... Which they are Millionaires and kind of like Dave Ramsey (They sell the fact they do NOT use Credit Cards and only have Debit Cards but the thought of the rewards they are missing out on almost kills me!!! HAHA

but I guess it's kind of like someone having the Amex Black... I wouldn't pull out and swipe a Target Card just to save the 5% if I was a Amex Black Cardholder but could you imagine if you had that wealthy and if you CARED or could even spend the time to think of such thing the "games" you could play with the credit cards!!!!

I mean you would have to have an assistant just to track the caps, new cards, what not...

I know im pretty much insane but I almost think it could be fun/funny... but again... you must likely would cost yourself millions trying to play the rewards game just with the time spent applying!!

Re: Just me or is American Express Stepping way back to a more basic line up...

webhopper — Fri, 12 Oct 2012 20:26:43 GMT

I am a rental property owner.. my YTD spend at Lowes has been about $1500.

Maybe not enough to really get a dedicated Lowes card... but.... I think the lowes card is cool, and I've been playing with the idea of picking up a business card.

Re: Just me or is American Express Stepping way back to a more basic line up...

Shogun — Fri, 12 Oct 2012 20:31:35 GMT

I think so, and this new thing with Walmart definitely isn't helping their image.

Re: Just me or is American Express Stepping way back to a more basic line up...

webhopper — Fri, 12 Oct 2012 20:34:37 GMT

@Shogun wrote:
I think so, and this new thing with Walmart definitely isn't helping their image.

What thing with Wal mart?

Re: Just me or is American Express Stepping way back to a more basic line up...

Creditaddict — Fri, 12 Oct 2012 20:53:11 GMT

@webhopper wrote:
@Shogun wrote:
I think so, and this new thing with Walmart definitely isn't helping their image.
What thing with Wal mart?

a pre-paid card...

I got the serve

but if you want ANY actual "Real" affiliation with Amex I would be getting the real amex Pre-Paid because they will "Monitor" and "May" offer you to apply for a charge card but does not mean you will be approved... but I think Amex is pretty on top of when they do something like that!

Maybe we have just become "MAD" about rewards... When I first started collecting "I mean applying" for credit cards at 18, I applied for everything, If I shopped and they had a card, I applied.. If I was in breathing range and they had a card, I don't care if I shopped, I would apply and shop to do so! lol

but besides my 10% for first purchase or what not it wasn't until the amex that I thought it was a bigger better image to slap something down "besides" the store card if that's were i was... i mean structure... thinking if they were kind of first to start changing to multi tiers for spending more... I was 18 or 19 at that point and being one of the first to have a color changing card THAT WAS THE IMAGE to pull out!

Now I just get mad at the idea of how "easy" it is to hit those levels.

I mean it's barely in my view but I think I was 15 or 16 because it was my first card through my parents so i started paying attention (Gold USAirways) also one of the first cards I remember that came out with "Invitations" to "call to see about moving to Platinum... I snatched that up and was on the phone in seconds which of course then required my mom to get on to verify but the lady was like... "You can't just upgrade, you have to qualify!" Which also got me to snap back "I think a Cardholder with a $18k limit what ever it was at that point WILL QUALIFY, Why don't you go check!

and of course did have to come back and tell us the great news of the upgrade!

My parents had other cards but USAir was IT until Capital One (The Blue Travel One) they use to have... USAir was like 18/22% I don't know but that was about the time (after 1998) that interest rates started being WAY lower on cards, and Im not even sure what bank use to handle the USAir but they would not move my moms rate and for some reason she didn't just toss in drawer since I think they had that since I was born practically! she closed it! something that mattered not one bit but once you start seeing what's out from others, you have to have that with current or why have current! im long time customer if you don't see the point then im going to be long time customer with someone else... but didn't we then just become VERY short term customers!??

Some is probably cost associated especially when thinking Macy's and 4 colors, Express and 3, Victoria Secret and 3 colors, think Saks had or stil has 4 (that cost is worth it!)

I think Neiman Marcus discontinued any of the color cards they use to offer unless it's still kind of like the black to get platinum and it's not offered or talked about just comes if you make it ($100k) way back when.

are we more obsessed with 0% and 9.9% after 0% and 3% gas to care about colors or levels and really a lot of those store card levels didn't get me more rewards, just got me the level to show when i whipped it out that I had spent that much... which only helped in Marhsall Fields and the $4k, and $6k levels... Nordstrom in beginning for Signature (use to require 760 score, $8k or $10k limit?) not sure if anything else.... now it's the only visa right?

Re: Just me or is American Express Stepping way back to a more basic line up...

Duncanrr — Fri, 12 Oct 2012 21:11:12 GMT

Which tier from Delta card is gone?

Re: Just me or is American Express Stepping way back to a more basic line up...

Creditaddict — Fri, 12 Oct 2012 21:42:10 GMT

I was thinking they use to have a free one for short time or below gold, then when they introduced reserve i think they made gold lowest or maybe just another crazy thought!

Re: Just me or is American Express Stepping way back to a more basic line up...

cardslayer — Fri, 12 Oct 2012 22:53:02 GMT

Actually, nothing but the Zync is gone. The MB Plat Charge was never in their main line-up, you had to app through the MB Financial services website directly (I have this card). There is and always has been a direct link, however here

The Delta you are referring to, did exist. But I never saw it on their line-up. Not sure if it still exists. I think you app for one of the other ones and tell them you want the no-fee one. Not sure how that works. the BCP has implemented a cap, however as stated earlier in this thread, for $6k @ 6% for groceries. Sucks for those of us familiar with the exploits of this card

Re: Just me or is American Express Stepping way back to a more basic line up...

Anonymous — Sat, 13 Oct 2012 01:50:44 GMT

@cardslayer wrote:
Actually, nothing but the Zync is gone. The MB Plat Charge was never in their main line-up, you had to app through the MB Financial services website directly (I have this card). There is and always has been a direct link, however here
@Anonymous Delta you are referring to, did exist. But I never saw it on their line-up. Not sure if it still exists. I think you app for one of the other ones and tell them you want the no-fee one. Not sure how that works. the BCP has implemented a cap, however as stated earlier in this thread, for $6k @ 6% for groceries. Sucks for those of us familiar with the exploits of this card

Yes, the Mercedes card was on their list of cards, I remember viewing it directly from their website back when I was approved for my Hilton Surpass.

Re: Just me or is American Express Stepping way back to a more basic line up...

cardslayer — Sat, 13 Oct 2012 03:28:48 GMT

Indeed, the MB REVOLVER card was on their main line-up, but I never saw the platinum CHARGE on there. If I'm wrong, forgive me, but I was specifically contemplating the Platinum charge for several months before app'ing and getting it, and never saw it on their main cards page.

Re: Just me or is American Express Stepping way back to a more basic line up...

youngandcreditwrthy — Sat, 13 Oct 2012 16:18:29 GMT

Dave Ramsey is dumb; he gives every day financial advice for people who are ALREADY super rich and conservative... Tea party anyone? I value Suze Orman much more, as her advice is much more realistic.

Re: Just me or is American Express Stepping way back to a more basic line up...

JustMe77 — Sat, 13 Oct 2012 20:56:09 GMT

Wow, where have I been? I didn't realize Zync was gone.

Re: Just me or is American Express Stepping way back to a more basic line up...

webhopper — Sat, 13 Oct 2012 20:58:01 GMT

I'm glad I have my zync. Hopefully they continue to support the card for a few years. I will look at green or gold after that!