Holy AMEX! Bye Chase!

[morgacj2004]

I cant disagree with your thinking. CHASE has been miserable to deal with for those of us who still have BK reporting while AX has opened its doors to me ever since I passed the 5 year mark.

[kerplunk]

Pro tip:

It's usually best to not burn bridges in life; banks are no exception. Chase is the largest bank in the United States.

[morgacj2004]

Simply being the largest bank does not by any means make it the best. There is life before and after Chase.

[Anonymous]

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@Platinum25 wrote:

Does the Platinum card have the POT option as well?

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Yes, it does if your account is eligible.

[Platinum25]

What makes an account "eligible" for that feature?

[Anonymous]

why were your Chase accounts involuntarily shut down? i recently opened 2 accounts with them and dont want to make any mistakes

[Anonymous]

I got an e-mail regarding my PRG on May 30th that the Select and Pay feature which includes Pay Over Time would be available to me on July 19th. I haven’t used that feature yet but it’s there if I ever need it. My account was about 5 months old at the time.

[Anonymous]

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@Anonymous wrote:

@Anonymous:

1) where have you been?

2) are you going to share why Chase closed your account(s)?

3) where are your USAA cards????

That is all.

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Aw missed y'all too. 

1. Absorbed with Masters classes still have 2 more years left of that, and just completed a multi-week cross-country road trip from WA state to Missouri. Went through Disney, Palm Springs, it was great. 

2. Chase sent me a letter unprompted and with no application or CLI request on my part saying they were closing my account because they thought I opened too many accounts (SMH). I think it also had something to do with that I completely stopped using the $30k limit I had with them. 

3. Still have my USAA Amex Plus its just my emergency back up/gas tracker expense card that I had them lower the limit to $1k since I keep it in my car. I didn't want to tarnish my other cards with a toy limit in my sig.  

[Anonymous]

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@kerplunk wrote:

Pro tip:

It's usually best to not burn bridges in life; banks are no exception. Chase is the largest bank in the United States.

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While I appreciate the sentiment in my opinion when it comes to personal transactions, burn me once and I don't give a second chance. What Chase did was completely uncalled for IMO, and the fact that they sent a letter rather than calling shows they don't care, which is fine but I will not do business with them again.

I have been very hard on Amex in the past mainly after they sent me a 4506-T a few years back and I closed all of my account after I refused to fill that out, in that scenario the situation was different, they offered me the opportunity to leave the cards open I just chose not to do their paperwork etc. We (Amex and I) decided to give each other another chance this year and things appear to have turned a new leaf, we shall see how things develop.

I have also changed how I use my credit cards, rather than be a constant churner for points and sign up bonus I am now comfortable enough with my financial situation that I would rather sit back and maybe get a bonus or too here and there but remain with a streamlined wallet of cards that serve a purpose. Rather than hunting for a high total credit limit. No disrespect to Churners/card collectors I just feel the need to lay low now. 

[bodyboy1]

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@Platinum25 wrote:

Does the Platinum card have the POT option as well?

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> Yes! as well as Gold (PRG)

   It is Offered to you, Usually between 60/90 days, However.. (IMO) not everyone is offered.

         for instance,  in some cases..   if you are a previous Cardholder and close an Account to avoid an Annual fee, Amex (IMO) remembers  things and penalizes, by Not giving you POT/ or by Making you Wait/ or offering it to you "later"

and imo not everyone gets $30/$35k.

and POT is not New.