I did the unthinkable. I closed my Amex BCE

[pizza1]

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@Anonymous wrote:
Time for an app spree to replace it.

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Im in the garden! LOL..seriously, Im 2 weeks in! Thats huge for me! Usually, If I can get thru the first month, I can do 6 months. Goal is a year, and I think its doable this time!

[kilroy8]

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@Anonymous wrote:

I find the BCE card next to useless myself.  A 3-2-1 card becomes just a 3% card for that one category when you have a 2% general spend card in your wallet.  Then, that 3% category is only yielding you 1% more than the general 2% card gives you.  Depending on your spend in that category, it may not even be worth it.  With the Amex $25 reward redeem threshold, for me it's kind of a worthless card.  It takes me at least 2 months if not 3 to bank enough rewards to redeem.  I'd rather just use my DC card where I can pull the rewards monthly, even if it means leaving a few bucks on the table.  The only real reason I keep my BCE card at this point is because it's got a $50k limit and aids considerably in aggregate utilization padding.

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I keep it for that couple days per month when my BCP statement is cutting and I want no new charges pending after paying it to zero. Also, I have maxed out BCP groceries for the year, so suddenly it becomes one of my go to's.

[mongstradamus]

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@pizza1 wrote:

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@Anonymous wrote:
Time for an app spree to replace it.

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Im in the garden! LOL..seriously, Im 2 weeks in! Thats huge for me! Usually, If I can get thru the first month, I can do 6 months. Goal is a year, and I think its doable this time!

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Ms pizza has always been one to jump the fence to get out of the garden lol

[Anonymous]

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@mongstradamus wrote:

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@pizza1 wrote:

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@Anonymous wrote:
Time for an app spree to replace it.

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Im in the garden! LOL..seriously, Im 2 weeks in! Thats huge for me! Usually, If I can get thru the first month, I can do 6 months. Goal is a year, and I think its doable this time!

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Ms pizza has always been one to jump the fence to get out of the garden lol

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Pizza will stay in the garden for a year when the sun rises in the west and sets in the east.

[UpperNwGuy]

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@Anonymous wrote:

I find the BCE card next to useless myself.  A 3-2-1 card becomes just a 3% card for that one category when you have a 2% general spend card in your wallet.  Then, that 3% category is only yielding you 1% more than the general 2% card gives you.  Depending on your spend in that category, it may not even be worth it.  With the Amex $25 reward redeem threshold, for me it's kind of a worthless card.  It takes me at least 2 months if not 3 to bank enough rewards to redeem.  I'd rather just use my DC card where I can pull the rewards monthly, even if it means leaving a few bucks on the table.  The only real reason I keep my BCE card at this point is because it's got a $50k limit and aids considerably in aggregate utilization padding.

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Yep, I agree. I closed mine about 18 months ago for exactly these reasons.  It had a $20,000 credit limit, but I wasn't using it because (a) it took the points two months to post, (b) the minimum redemption was $25, and (c) my grocery store spending is low enough that the difference between using BCE and a 2% card is only $30 a year.  Amex tried to make me a retention offer, but I told them not to bother.  I don't miss this card at all.

[RonM21]

Pizza, I give you props. You always have just said it how it is, and do what you feel needs done, regardless of if anyone thinks it is crazy or not. In this situation, I don't blame you. I would be frustrated as well. I'm sitting here kind of fighting the same issue with my two Citi cards because they are not growing. In the past, I cut a Cap1 card because not only would it not grow, but they would never even PC it from being a subprime card. It felt good to just let it go and not waste the time.

[Save-n-Invest]

Pizza, you done good!

Communicating with Amex CS is like visiting on the front porch at the mental hospital. My BCE is the most annoying card I have. Downgraded from BCP as I have a person policy against paying for aggravation. My humble advice is not to jump the garden fence for these crazies. Go for a worthwhile card. Your call, of course. 

I have no blemishes on my credit, scores north of 800 but Amex makes me nuts just the same. Congrats if you got a cs rep you could understand. The last guy was screaming at me in tongues.

You are my hero!

[Anonymous]

Nooooooo pizza how could you?!

Lol jk! It's a card that didn't work so good for you on closing it! I personally have that card and is probably a 'lifetime' keeper for me.

[AverageJoesCredit]

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@mongstradamus wrote:

 Bit of hot head eh? Well if they haven’t given you a CLI by now i am not sure they ever will. The thing about Amex CSR i tend to not like is how they have to follow their script no matter what there is no budging with them one bit. 

It’s kind of funny i still have my BCE i haven’t used one bit for the last three years and they haven’t gave that card the axe yet, it may be because i put a lot of spend into my EDP but who knows. 

So long as one card is being used, usually all cards are safe from being closed by Amex regardless if they have not seen usage.

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[AverageJoesCredit]

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@Brian_Earl_Spilner wrote:

There's gonna be a lot of @RicHowe to pay in this thread.

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4  SCHNEESHEE😭