Barclay Apple

[FinStar]

Which AmEx do you have with the $95 AF?

[RSX]

Green Card

[FinStar]

Ah gotcha. At one time there was an option to downgrade to a Senior Green which lowered the AF substantially, albeit the MR structure changed as well.

Of course, if you've been with AmEx for a long time, you could always explore any retention offers if applicable. Otherwise, if it no longer fits your needs, then close it out.

[RSX]

ok - i barely use it - i got it Jan 2017 - only acquired 14,000 points in the 2.5 years

it is a charge card - so no CL to help me with my CC utilization

i am just thinking it is a waste to keep open at this point - i just used 10,000 pts so i got some benefit out of it ($100 gc)

any reason to keep it on my file?

[digitek]

You are definitely good to close the Amex Green.  It has notoriously bad earnings for a card with a $95 AF.

*I should add that the Amex Green has a rumored update coming, but no one really knows when it will happen or what it will change.  If your AF isn't due soon you might want to hold onto it in hopes that they upgrade it in a good way before your $95 AF hits.

[RSX]

cool - thanks

it isnt until Jan 2020, so i will wait a couple of months - then close if no new items pop up

[Anonymous]

Definitely agreed. I use Mint, which sends me notifications on charges, finance charge changes, APR changes and due dates. I love it. Comes in handy especially when you have a lot of cards/accounts