Dillard's American Express

LawStudentCivilis · ‎10-31-2020

Now this is a title that you are least likely to see on this forum lol

This is unfortunately my second oldest card. I had just reached the age of the majority (adult) when I got the card. I don't see much discussion about any past successful CLI's. I would love more than ever to close this card, but that would hurt me more than leaving it open.

It has a small CL - I called sometime in July or August about a CLI, but they have taken this feature away presumably because of the pandemic. The rep I spoke with also stated when you do a CLI it is a hp. So I doubt I will ever request one even if they re-instate the feature.

I think I need to make a charge because it will soon be a year since I last done so, but I have a card for any spend that I do right now so I severely lack motivation to figure it out.

Anyone else still holding on to this relic? Any DP's you care to share? I did receive an auto-increase once, but I am sure that is when GE still owned the card.

Anonymous · ‎10-31-2020

You may not want to spend much time on the card not growing? Retail brick and mortar is not a hot spot for spending. Dillard's like many other retailers has seen their share of red ink so the future is not yet written.

coldfusion · ‎10-31-2020

Go use it to buy yourself a cup of coffee or next time you pass a convenience store get a 1/2 liter bottle of water or soda.

Or, if you're really that disinterested just sockdrawer the card and let them eventually close it for non-use. You've got more than 10 years to get yourself set up to ensure having it fall off of your credit reports is an effective non-issue.

(3/2024)
FICO 8 (EX) 846 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion

Loquat · ‎10-31-2020

I have this card and I don't use it at all unless Dillard's send me some sort of spend offer that happens maybe one or twice a year. Usually to the tune of spend $500 get $50 in Dillard's credit.

Shy of one of those offers I just do a small Amazon reload on the card for a couple of bucks every 3 months or so and leave it be.

LawStudentCivilis · ‎10-31-2020

All great suggestions, this is why this forum is great. @coldfusion I think I am going to do this today, thanks for the suggestion!

sxa001 · ‎10-31-2020

I will admit I have been a bit addicted to buying clothes. I possibiliy have more shoes and clothes than my wife. I have been on a clothes shopping hiatus this year because I recognized my spend was a little out of control in previous years. Dillard's has always been a favorite of mine. I bought my suit and clothes for my wedding two years ago at Dillard's so I applied for the card since they were offering the $100 in Dillard's credits (given as 10 months of $10 certificates). Basicall this means that I went every month for 10 months to use the certificates and spent way more than I should have, enough to hit their "Elite" level.

My credit line started at $1800, never have seen an increase. I used to shop there enough that the lady in the tailered mens department would call me when they were having a sell. She called me earlier this year to let me know their semi-annual sell was going on, I think she was dissapointed to hear I am not buying clothes or shoes this year and honestly my extreme shopping days are gone, my wife says she likes when I dress casual

Anonymous · ‎10-31-2020

@sxa001 wrote:
I will admit I have been a bit addicted to buying clothes. I possibiliy have more shoes and clothes than my wife. I have been on a clothes shopping hiatus this year because I recognized my spend was a little out of control in previous years. Dillard's has always been a favorite of mine. I bought my suit and clothes for my wedding two years ago at Dillard's so I applied for the card since they were offering the $100 in Dillard's credits (given as 10 months of $10 certificates). Basicall this means that I went every month for 10 months to use the certificates and spent way more than I should have, enough to hit their "Elite" level.

My credit line started at $1800, never have seen an increase. I used to shop there enough that the lady in the tailered mens department would call me when they were having a sell. She called me earlier this year to let me know their semi-annual sell was going on, I think she was dissapointed to hear I am not buying clothes or shoes this year and honestly my extreme shopping days are gone, my wife says she likes when I dress casual

What kind of casual ? Business casual ? Or vans and jeans causal ? lol

LawStudentCivilis · ‎11-01-2020

@sxa001 I forgot to mention I no longer have a Dillard's near me. It was one of my favorite places to shop for a while. Congrats to you on making a 180 by adjusting your spending habits. Breaking habits or establishing new ones can be challenging. It sounds like you really flipped the off switch rapidly, that's admirable.

Loquat · ‎11-02-2020

@sxa001 wrote:
I will admit I have been a bit addicted to buying clothes. I possibiliy have more shoes and clothes than my wife. I have been on a clothes shopping hiatus this year because I recognized my spend was a little out of control in previous years. Dillard's has always been a favorite of mine. I bought my suit and clothes for my wedding two years ago at Dillard's so I applied for the card since they were offering the $100 in Dillard's credits (given as 10 months of $10 certificates). Basicall this means that I went every month for 10 months to use the certificates and spent way more than I should have, enough to hit their "Elite" level.

My credit line started at $1800, never have seen an increase. I used to shop there enough that the lady in the tailered mens department would call me when they were having a sell. She called me earlier this year to let me know their semi-annual sell was going on, I think she was dissapointed to hear I am not buying clothes or shoes this year and honestly my extreme shopping days are gone, my wife says she likes when I dress casual

The New Year Day sale at Dillard's is one of my favorite times to shop there. It's crazy, chaotic, and I love every minute of it. I don't shop there nearly as much as I used to since Belk moved into the area. Belk gets a lot of my spend for casual clothes.

Loquat · ‎11-02-2020

Speaking of a card that gets very little use. I get this email today. Not going to take advantage of it as I don't care for cell phone protection via a credit card. If anything at least they're adding something rather than taking away as it seems to be the case with most cards lately.