Originally Posted by
garykung
Citi is doing the same thing as Chase. So for now, AMEX is safer.
Citi closed three cards within past couple months - two personal and one business. I haven`t used them for a year, so, without a warning of closure (as Chase does by sending a letter if you want to keep this account open, use the card by such date, otherwise, it will be closed), Citi just closed them. Not what I am really upset, as those were cards with no so much value (but with high credit lines), so it sure did hurt my credit in terms of length of credit history and, possibly, debt ratio.
AmEx is the worst out of three nowadays IMO. Actually, until 2008, AmEx was the best, but then it went downhill with all bad practices and employees. Citi would be the best now, but I wish its network of partners was better. Chase was great maybe until 2016, but then no retention offers, no other offers made it less attractive. Although UR network is the best for me.