AMEX Green Card

[Anonymous]

Hi Everyone,

I was not smart and opened an AMEX Green Card thinking I would benefit from it.  I did not research before I did it, I applied on the advice of one person (I won't do that again).  I have 5 statements on it as of October 9, 2018.  When can I close it and how much of an impact will it have on my scores?  I have over $200,000 in availabe credit if that helps.

Thanks for any help on this matter.

[AverageJoesCredit]

No worries. I did so when i got back in with Amex last year,though more so to test if i was still on bl. I would just let it ride until the AF is due then either close it or see as bout possible upgrade. I think i h as d like 3 charges the whole year so i dont think not using it wil matter

[Anonymous]

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@AverageJoesCredit wrote:
No worries. I did so when i got back in with Amex last year,though more so to test if i was still on bl. I would just let it ride until the AF is due then either close it or see as bout possible upgrade. I think i h as d like 3 charges the whole year so i dont think not using it wil matter

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Thanks Joe,

Tha is what I thought.  I have put a few charges on it but that is all.  

[seattlecredit08]

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@AverageJoesCredit wrote:
No worries. I did so when i got back in with Amex last year,though more so to test if i was still on bl. I would just let it ride until the AF is due then either close it or see as bout possible upgrade. I think i h as d like 3 charges the whole year so i dont think not using it wil matter

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Quick question on this-- is it possible to upgrade AMEX Green charge card to AMEX Gold charge card (I realize that I won't get the signup bonus this way but this would allow me to minimize impact on AAofA)?

Thanks!!

[AverageJoesCredit]

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@seattlecredit08 wrote:

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@AverageJoesCredit wrote:
No worries. I did so when i got back in with Amex last year,though more so to test if i was still on bl. I would just let it ride until the AF is due then either close it or see as bout possible upgrade. I think i h as d like 3 charges the whole year so i dont think not using it wil matter

---

Quick question on this-- is it possible to upgrade AMEX Green charge card to AMEX Gold charge card (I realize that I won't get the signup bonus this way but this would allow me to minimize impact on AAofA)?

Thanks!!

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Im not sure about during its first year but for sure when the AF comes up you can request one or sometimes they have one for you. 

[NRB525]

Over the past 5 years I have sped several new, low-AF AMEX products, and have run a consistently strong amount of money through those various AMEX products. A lot of that spend was to earn SUB.

I have also received and accepted multiple Upgrade offers, with Upgrade bonuses comparable to the higher AF card SUB. So by using those Upgrade bonuses, I moved to the higher benefits, without a new app.

Delta Gold to Delta Platinum.
Hilton to Hilton $95 to Hilton $450
SPG to SPG Lux

No offer yet for an upgrade bonus Gold to Platinum but I hope for that.

With a Green, it may be that using the card heavily during the first no-AF year gets an upgrade bonus to Gold, after the AF. Or not. But in general, my suggestion is AMEX likes usage and has a lot of products that earn good rewards and/or provide nice perks, and a possible path to get to many of them.

[mitchblue]

My first card was a green. I always saw my Dad with one so it seemed logical. For me it's a must keep because of back dating they did at the time. I got an extra 14 years. I use it every few months to keep it active.

[Anonymous]

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@NRB525 wrote:


. Or not. But in general, my suggestion is AMEX likes usage and has a lot of products that earn good rewards and/or provide nice perks, and a possible path to get to many of them.

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Yes, but there also seems to be some noise.   Just got an offer to upgrade by BCE to BCP (no AF first year, SUB etc) and I haven't used my BCE in at least 2 years.

[UpperNwGuy]

I had the Green from 2012 to 2016.  One measly MR per dollar spent was bad enough, but the MRs also posted a month or two late.  To make matters worse, none of the airline and hotel transfer partners interested me.  I closed it.  I don't miss it.

[charp150]

You must wait a full year to product change up the ladder. CC issuers are prohibited from changes terms during first year even if requested by the cardholder.