AMEX Optima sucks

[Kinglord]

Does anyone have any experience of being upgraded or CLI on the AMEX Optima?  I have had mine since OCT 18 and have never been offered or approved for a CLI.  It seems the pre-qualify on AMEX website is not working, makes me wonder if the upgrade feature is also not active.

Any Help?

[Remedios]

Please edit the title, because if it stays as is, I can tell you right now what kind of responses you're going to get, and then I'll have to work. 

[wasCB14]

I don't know about upgrades or CLIs, but the more common route seems to be to apply for a regular Amex card after a few years.

Browsing old threads I found a case of someone who had Optima for 4 years before getting a prequal offer for a regular card.

[AverageJoesCredit]

Optima was and is for people who've had issues with Amex. It only sucks if you dont understand why you received one in the first place. 

[Kinglord]

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@AverageJoesCredit wrote:

Optima was and is for people who've had issues with Amex. It only sucks if you dont understand why you received one in the first place. 

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Very understanding of why I have it, I still see that **bleep** old closed card on my CR.    Just dont wanna carry such a crappy AMEX.

[Remedios]

Close it. 

[Anonymous]

Did you pay them in full to get the Optima or did you agree to settle it? If the former, I can see why you're annoyed but if it's the latter, you should be happy they even let you back in at all. Life happens but there are consequences regardless. If you want to build back up with AMEX, you have to put in the time. If that's too much effort, close it and move on. 

[Anonymous]

In the months to come, millions of people that had never imagined that they would be in such a position will be defaulting on loans.

Many of them will be Amex holders and many of those will happily take an Optima card if offered when they attempt to rebuild.

[Jnbmom]

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@Kinglord wrote:

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@AverageJoesCredit wrote:

Optima was and is for people who've had issues with Amex. It only sucks if you dont understand why you received one in the first place. 

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Very understanding of why I have it, I still see that **bleep** old closed card on my CR.    Just dont wanna carry such a crappy AMEX.

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Then close it, pretty simple .

[K-in-Boston]

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@Kinglord wrote:

It seems the pre-qualify on AMEX website is not working

It is.

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@Kinglord wrote:

makes me wonder if the upgrade feature is also not active.

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Upgrades are fine.

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@Kinglord wrote:

Does anyone have any experience of being upgraded or CLI on the AMEX Optima?  I have had mine since OCT 18 and have never been offered or approved for a CLI.

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If you have Optima, there has been a previous unsatisfactory relationship with American Express.  Your overall profile and your relationship with American Express needs to warrant the extension of additional credit.  A year and a half may not be enough time.