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Any Thoughts Why Other CC Companies don't Backdate like AMEX


BJKill
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Without D*, why would anyone want an Amex? There isn't anything special enough about their offerings to make any better than their competition. Amex is living off of some sort of reputation that was earned before my time. That won't carry them too much longer.

 

I mean, foreign transaction fees and limited acceptance etc? Charge cards (really, who needs these?).

 

And their service seems to suck (heard enough horror stories. When things get a little bad, Amex gets ugly. Who needs their stupid reviews? Screw that!).

 

Long story short, Amex seems to suck. And D*, while unknown by most, is a big help to their business from those who do know about it.

 

But at the same time, I worry D* will go away sooner than later. And that's making me think I should get some Amex cards soon.....

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And their service seems to suck (heard enough horror stories. When things get a little bad, Amex gets ugly. Who needs their stupid reviews? Screw that!).

 

Every creditor has horror stories.

 

Long story short, Amex seems to suck. And D*, while unknown by most, is a big help to their business from those who do know about it.

 

You don't need to know about D* to get it. It's usually automatically done.

 

But at the same time, I worry D* will go away sooner than later. And that's making me think I should get some Amex cards soon.....

 

Who's to say if it does go away that they won't correct everyone's reporting.

 

There's a ton of other good benefits with Amex, which you will find out about once you get approved.

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Without D*, why would anyone want an Amex? There isn't anything special enough about their offerings to make any better than their competition. Amex is living off of some sort of reputation that was earned before my time. That won't carry them too much longer.

 

I mean, foreign transaction fees and limited acceptance etc? Charge cards (really, who needs these?).

 

And their service seems to suck (heard enough horror stories. When things get a little bad, Amex gets ugly. Who needs their stupid reviews? Screw that!).

 

Long story short, Amex seems to suck. And D*, while unknown by most, is a big help to their business from those who do know about it.

 

But at the same time, I worry D* will go away sooner than later. And that's making me think I should get some Amex cards soon.....

I like the MR program for the flexibility and transfer partners.

 

The SPG is the best hotel rewards CC out there in terms of earning potential from day to day spending.

 

The Everyday Preferred it the most valuable grocery rewards CC for people that travel. 4.5 MR points for the first $6K spent is a great return.

 

They tend to focus mainly on people that travel and moderate to heavy spenders. Just like any other issuer, the value depends on what you personally can get out of the cards.

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You don't need to know about D* to get it. It's usually automatically done.

"Usually" is the operative word. I'm an exception. Would have been nice to have been backdated for 1974 when I had a gold amex. I gave it a half hearted try but my old Amex card number has long been re-issued to someone else.

 

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You don't need to know about D* to get it. It's usually automatically done.

"Usually" is the operative word. I'm an exception. Would have been nice to have been backdated for 1974 when I had a gold amex. I gave it a half hearted try but my old Amex card number has long been re-issued to someone else.

 

 

 

Very true that it can be a challenge if its been a while. '

 

I think we should all put our very first Amex statement in a safe deposit box for later use. :yu:

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You don't need to know about D* to get it. It's usually automatically done.

"Usually" is the operative word. I'm an exception. Would have been nice to have been backdated for 1974 when I had a gold amex. I gave it a half hearted try but my old Amex card number has long been re-issued to someone else.

 

 

 

Half hearted efforts get half hearted results...

 

Should have gone all out for a 1974 MS Date. Every new card is over 40 years old...that's epic

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You guys talk about travel benefits. Uh, all their cards except the Platinum have foreign transaction fees. That's awful. I guess they rely on the stupid, complacent, or to wealthy to care customers that will pay the fees anyway. But for the younger generation or people who care about foreign transaction fees, they're going to lose out.

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You don't need to know about D* to get it. It's usually automatically done.

"Usually" is the operative word. I'm an exception. Would have been nice to have been backdated for 1974 when I had a gold amex. I gave it a half hearted try but my old Amex card number has long been re-issued to someone else.

 

 

 

Half hearted efforts get half hearted results...

 

Should have gone all out for a 1974 MS Date. Every new card is over 40 years old...that's epic

 

 

Yeah, halfhearted it is. OTOH, it's of no practical use in my circumstances. It would have a neat cool factor but that's about it.

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You guys talk about travel benefits. Uh, all their cards except the Platinum have foreign transaction fees. That's awful. I guess they rely on the stupid, complacent, or to wealthy to care customers that will pay the fees anyway. But for the younger generation or people who care about foreign transaction fees, they're going to lose out.

I'm talking about travel rewards that you get from day to day spending.

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You guys talk about travel benefits. Uh, all their cards except the Platinum have foreign transaction fees. That's awful. I guess they rely on the stupid, complacent, or to wealthy to care customers that will pay the fees anyway. But for the younger generation or people who care about foreign transaction fees, they're going to lose out.

 

You make a lot of incorrect assumptions without knowing the facts.

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You guys talk about travel benefits. Uh, all their cards except the Platinum have foreign transaction fees. That's awful. I guess they rely on the stupid, complacent, or to wealthy to care customers that will pay the fees anyway. But for the younger generation or people who care about foreign transaction fees, they're going to lose out.

 

You make a lot of incorrect assumptions without knowing the facts.

 

+1

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You guys talk about travel benefits. Uh, all their cards except the Platinum have foreign transaction fees. That's awful. I guess they rely on the stupid, complacent, or to wealthy to care customers that will pay the fees anyway. But for the younger generation or people who care about foreign transaction fees, they're going to lose out.

 

The great part is that you can get multiple cards from different creditors and then use your cards wisely.

 

The Platinum card can pay for itself if you know what you are doing, in fact all of them can if you do your homework.

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You guys talk about travel benefits. Uh, all their cards except the Platinum have foreign transaction fees. That's awful. I guess they rely on the stupid, complacent, or to wealthy to care customers that will pay the fees anyway. But for the younger generation or people who care about foreign transaction fees, they're going to lose out.

 

You make a lot of incorrect assumptions without knowing the facts.

 

You are absolutely correct...... But I am a beginner, and Amex doesn't do a great job of making these supposed extra special Amex benefits pop out at the consumer.

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You guys talk about travel benefits. Uh, all their cards except the Platinum have foreign transaction fees. That's awful. I guess they rely on the stupid, complacent, or to wealthy to care customers that will pay the fees anyway. But for the younger generation or people who care about foreign transaction fees, they're going to lose out.

 

You make a lot of incorrect assumptions without knowing the facts.

 

You are absolutely correct...... But I am a beginner, and Amex doesn't do a great job of making these supposed extra special Amex benefits pop out at the consumer.

 

 

If you go to americanexpress.com those silly benefits pop out all over the place. :grin:

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You guys talk about travel benefits. Uh, all their cards except the Platinum have foreign transaction fees. That's awful. I guess they rely on the stupid, complacent, or to wealthy to care customers that will pay the fees anyway. But for the younger generation or people who care about foreign transaction fees, they're going to lose out.

You make a lot of incorrect assumptions without knowing the facts.

You are absolutely correct...... But I am a beginner, and Amex doesn't do a great job of making these supposed extra special Amex benefits pop out at the consumer.

Like any rewards card, especially with an AF, you need to do the math for your own situation and see what kind of a return you will get from your spending.

 

27K MR points from $6K in grocery spending is a bargain for a $95 AF if you travel. If you're looking for your first Amex and you want travel rewards, that's a good place to start. I'll be adding that card in 2016 as my grocery card.

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Sorry if I shouldn't have asked. People seem to discuss a lot of potentially controversial things on here (i.e., b*) . I'm not sure where the line is in terms of asking questions. Not interested in upsetting the apple cart. Just trying to understand.

Ask all the questions you need. If something is too controversial, and we do not wish it openly discussed, we will let everyone know.

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You guys talk about travel benefits. Uh, all their cards except the Platinum have foreign transaction fees. That's awful. I guess they rely on the stupid, complacent, or to wealthy to care customers that will pay the fees anyway. But for the younger generation or people who care about foreign transaction fees, they're going to lose out.

 

You make a lot of incorrect assumptions without knowing the facts.

 

You are absolutely correct...... But I am a beginner, and Amex doesn't do a great job of making these supposed extra special Amex benefits pop out at the consumer.

 

No one is forcing these opinions on you.

 

You are welcome to LEARN here with the rest of us. Having a preconceived notion of how things ARE, will not help you.

 

Open up your mind a bit. :good:

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You guys talk about travel benefits. Uh, all their cards except the Platinum have foreign transaction fees. That's awful. I guess they rely on the stupid, complacent, or to wealthy to care customers that will pay the fees anyway. But for the younger generation or people who care about foreign transaction fees, they're going to lose out.

You make a lot of incorrect assumptions without knowing the facts.

You are absolutely correct...... But I am a beginner, and Amex doesn't do a great job of making these supposed extra special Amex benefits pop out at the consumer.

Like any rewards card, especially with an AF, you need to do the math for your own situation and see what kind of a return you will get from your spending.

 

27K MR points from $6K in grocery spending is a bargain for a $95 AF if you travel. If you're looking for your first Amex and you want travel rewards, that's a good place to start. I'll be adding that card in 2016 as my grocery card.

 

 

And with all of those savings you'll be able to buy a minivan to haul all those groceries. :rofl:

 

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