Interesting comments from Amex

[fltireguy]

I called Amex last night to close my Delta Gold since the AF was due. I wanted to move the CL to my BCP. The first Rep that I spoke to was trying to talk me out of the closure, as it would "negatively affect my credit rating". Really? I called him out on it, and ask d him to explain. He said that because the card would have a 0 CL it would affect my score. I mentioned to him that a) He apparently has no clue how credit scoring works, and b) that it wouldn't even have a effect on my utilization, since the CL was being moved, and also, having $215k in available credit and even losing $1k (I had already moved most of the CL a while back) wouldn't matter. He kept insisting, so I hung up. Next CSR apparently seemed to be Us based, and had no issue doing what I wanted, and didn't try to give me any BS song and dance like the first one. Interesting

[AverageJoesCredit]

Maybe you called Credit 1 by mistake

[fltireguy]

AJC I was almost thinking that!!

[K-in-Boston]

Do you not understand that the card also comes with a free monthly credit score?  

[yfan]

You're correct of course, but why did you need that to be confirmed by the CSR? I am not sure what the big deal is that the CSR didn't know what he was talking about, as long as he were still able to close the card. I understand that's annoying, but I wouldn't waste my time explaining things to him or making another call.

[DeeBee78]

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@fltireguy wrote:
I called Amex last night to close my Delta Gold since the AF was due. I wanted to move the CL to my BCP. The first Rep that I spoke to was trying to talk me out of the closure, as it would "negatively affect my credit rating". Really? I called him out on it, and ask d him to explain. He said that because the card would have a 0 CL it would affect my score. I mentioned to him that a) He apparently has no clue how credit scoring works, and b) that it wouldn't even have a effect on my utilization, since the CL was being moved, and also, having $215k in available credit and even losing $1k (I had already moved most of the CL a while back) wouldn't matter. He kept insisting, so I hung up. Next CSR apparently seemed to be Us based, and had no issue doing what I wanted, and didn't try to give me any BS song and dance like the first one. Interesting

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So even though you only had $1K limit letf on the card, they let you move the whole thing to another card when you closed it? 

[wasCB14]

You imply the first CSR was not American. Was the first call to the Platinum phone number, or Delta Gold?

[fltireguy]

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@wasCB14 wrote:

You imply the first CSR was not American. Was the first call to the Platinum phone number, or Delta Gold?

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Delta Gold number.  Platinum CS has been closed since Irma, (they are in FtLauderdale)and is being routed to normal CS right now 😤. I like the platinum CS much better

[fltireguy]

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@DeeBee78 wrote:

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@fltireguy wrote:
I called Amex last night to close my Delta Gold since the AF was due. I wanted to move the CL to my BCP. The first Rep that I spoke to was trying to talk me out of the closure, as it would "negatively affect my credit rating". Really? I called him out on it, and ask d him to explain. He said that because the card would have a 0 CL it would affect my score. I mentioned to him that a) He apparently has no clue how credit scoring works, and b) that it wouldn't even have a effect on my utilization, since the CL was being moved, and also, having $215k in available credit and even losing $1k (I had already moved most of the CL a while back) wouldn't matter. He kept insisting, so I hung up. Next CSR apparently seemed to be Us based, and had no issue doing what I wanted, and didn't try to give me any BS song and dance like the first one. Interesting

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So even though you only had $1K limit letf on the card, they let you move the whole thing to another card when you closed it? 

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Yes they did

[Anonymous]

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wasCB14 wrote:

You imply the first CSR was not American. Was the first call to the Platinum phone number, or Delta Gold?

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Just curious, So any Amex card members can call Platinum CS line? Even tho they dont have Platinum card to inquiry/issue about other cards they have?