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Your biggest buy on Amex npsl charge card?

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Senior Contributor

Re: Your biggest buy on Amex npsl charge card?

I have a personal AMEX green card from 1984. Don't use it much now but, it is my oldest card and I am grandfathered in at a very low yearly fee. The card was approved for a $50k charge when I checked a couple years ago out of curiosity.

 

Highest "modern day" charge/monthly spend, according to CB records, is around $3200/$3500. Used the card more heavily in the early days before FICO. Smiley Wink

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 21 of 26
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Established Contributor

Re: Your biggest buy on Amex npsl charge card?


@Thomas_Thumb wrote:

I have a personal AMEX green card from 1984. Don't use it much now but, it is my oldest card and I am grandfathered in at a very low yearly fee.


I hope that holds for you. I got my Green card in 1994, last renewal in August was $55.00, and the Amex site described the account as "Classic Green Card". I got the notice in October that my card had been enhanced and the AF going forward will be $150.00.

Scores: Spt 20: EX FICO8 831, TU FICO8 828, EQ FICO8 823
AoOA: closed: 36 years, open: 25 years; AAoA: 11.8 years
Amex Gold, Amex Green, Amex Blue, Amex ED, Amex Delta Gold, Amex Hilton Surpass, BoA Platinum Plus, Chase Slate, Chase Amazon, Chase CSP, Citi AA Plat, Sync Lowes, Sync JC Penney - total CL 145k
Loans: Prosper (20k/3yrs 7.14%), Lending Club (10k/3yrs 5.89%), Chase car loan (35k/6yrs 0.9%)
Message 22 of 26
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Senior Contributor

Re: Your biggest buy on Amex npsl charge card?

Well - that's not good. Looks like I may have to drop the card. The added rewards have no value to me

 

My AF was $35 initially and I considered dropping the card when it was raised to $55. Amex held my fee at $55 when there was a bump up to $95. I was hoping that would be the case with this latest, rather extreme, increase. Wonder if I can convert to a credit card with no AF and maintain account history. That should be offered as an option.

 

However, I do like having a NPSL charge card that doesn't factor into revolving credit utilization and I don't need another credit card.

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950
Message 23 of 26
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Super Contributor

Re: Your biggest buy on Amex npsl charge card?


@Thomas_Thumb wrote:

Well - that's not good. Looks like I may have to drop the card. The added rewards have no value to me

 

My AF was $35 initially and I considered dropping the card when it was raised to $55. Amex held my fee at $55 when there was a bump up to $95. I was hoping that would be the case with this latest, rather extreme, increase. Wonder if I can convert to a credit card with no AF and maintain account history. That should be offered as an option.

 

However, I do like having a NPSL charge card that doesn't factor into revolving credit utilization and I don't need another credit card.


That's consistent with what I've heard about other old charge cards...Amex won't necessarily start charging the new, higher fee right away on all old accounts...but after a few years everyone's paying the latest rate.

 

Amex may have little incentive to offer a no-fee charge card when they've been collecting fees on many old Green cards from people who don't use a lot of the benefits.

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, CFF+CF, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
SUB: JetBlue, Amex Platinum
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 24 of 26
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Valued Contributor

Re: Your biggest buy on Amex npsl charge card?

Largest transaction is 361.

Largest balance carried is 1300.

 

have fun!

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PⵢA: Wear a respirator (Π95, Кп95, ҞҒ94), period.
Message 25 of 26
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Valued Member

Re: Your biggest buy on Amex npsl charge card?

$10,000 on a single purchase.

Message 26 of 26
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