Annual fee retention bonus for Starwood Amex Card

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Old Sep 20, 18, 8:03 am   -   Wikipost
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Direct Retention number is following.... 1-800-452-3945 (better success in getting a bonus points)

SPG Personal
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9/12 - 3K points offered with no spending-rubu
9/14 - 7k points $110k annual spend
10/3/14 - 7k points $40k spend
10/6 - $50 statement credit (had $27k of YTD spend)
10/8/14 - 3K points or $25 with very little spend. Took points.
10/27/14 no offer except to close.
10/28/14 - 3K points to keep open ($24k spend)
1/15 - 7k points. This in addition to the 7k points I recived in Aug, so 14k points within 5months. Just asked.
1/27/15 - 7k points or $50 statement credit (~$30k spend)
2/8/15 - 7k points or $50 statement credit
2/10/15- 1k points + 500 if I charge $1000 in next month. Canceled.
2/11/15 - 7k points (~$60k spend)
2/15/15 - 3k points ($20k spend)
2/23/15 - 1K points + 500 if I charge $1000 in next month
2/24/15 - 7k points or $50 statement credit (~$90k spend)
3/6/15 - 3k points
3/12/15 - 3k points...yawn. Might cancel
3/16/15- 7k points or $100 statement credit (over $300K spend)
4/3/15 - 1.5k points or $50 statement credit (less than $2k spent YTD)
5/1/15 - no offer
5/2/15 - $100 statement credit or 7K points. ~50K spend.
5/4/15 - 3k points (>100k spend)
5/5/15 - $50 or 100 points with 1K points w/ $1K spend... lol no thx ($65K spent last year)
5/11/15 - $50 or 500 points + 1K points w/ $1K spend (~$90k spend)
5/26/15 - $50 or 500 points + 1K points w/ $1K spend in 90 days (~$30k spend)
5/30/15 - $100 statement credit or 7K points. ~10K spend. Took $100.
6/16/15 - Nada. Was told that an offer is only given every other year. I got 7K last year. (~40k spend)
7/8/15 - $10+K spend last year, offers $25 credit or 500 points + 1K points w/ $1k spend. Will HUCA.
7/13/15 - $9K spend in 1st year; offered and took 7K points, still at $65 AF for the year ahead.
8/20/15 - Offered 10K points or $100...chose the points. 250K annual spend.
9/3/15- Offered 7K points or $50 credit, accepted credit, 30K annual spend
9/26/15 - Offered 10K points took it; 3rd year card member; ~40K spend, 3K retention offers previous years
10/17/15 - Offered 10k points or $100. Chose the points. ~30-40k spend. Have had the card for 3 yrs, first time asking for retention. 15yr amex customer.
1/10/16 - Offered 500 points for $1k spend or $25 credit. Took $25 credit. 12 year amex customer, 1st year of SPG card.
2/1/16 - Offered 10k points to keep the card open, no minimum spending requirements $11000 YTD spending in 2015. Accepted 7k points for retention in Oct 2014.
2/18/16 Offered 10k points to keep the card open, no minimum spending requirements. $100k spending in 2015
3/22/16 - Offered $25. $5k spend last year. Did not accept.
4/3/16 - Offered $25 or 7K points. $25K spend last year. Took points. Same as last year as well
5/25/16 - Offered $25 without any spend, or 1.5k points after $1k spend. Took the $25. About $13k of spend in the last year, but only $900 2016 year to date.
6/14 - offered 500 points now and another 1000 after $1k spend. Took the offer. $5k spend last year.
6/14/2016 - Offered $25 or 500 SPG points. Asked for Supervisor - Increased offer to $25 plus 3,000 SPG points with no addl. spend.
6/22/16 - Offered $25 or 1500 points (500 immediate + 1000 additional after spending $1K on the card). Didn't want to deal with supervisor so just took the $25. ~$20K spend on the card in 2015
7/4/16 - Called in January and offered nothing. Called again in July offered 7,000 SPG points on $125k spend
7/7/16- Offered $100 or 10000 points on 140K spend. Took the points.
7/13/16 - Offered $50 or 7,000 SPG points, took the points.
8/3/16 - Offered $50 or 7,000 SPG points on 50K spend, took the points.
8/14/16 - nothing on first call; second call offered 2000 SPG points.
8/16/16 - Offered $50 or 7,000 SPG points, $48K spend, took the points.
8/17/2016- 15 yr customer with typical balances ranging from 20-30K, this year about 7K to date. "Nothing to offer you on yr account" Cancelled
8/25/2016 - No offer. Had card for one year, $3.5k spend.
8/29/16 - 3rd year of the card. $25 credit or 500 Starpoints now and 1000 points after $1k spend in 90 days. Took the points offer and kept the card.
9/7/16 - since 2006, $30-40K spend. $95 annual fee. Offered $100 credit. Took it.
10/17/16 - Roughly $15K annual spend for several years. $95 annual fee. Offered $50 credit or 7K SPG points. Took the points.
10/14/16 - $50k annual spend. $95 fee, offered $100 or 7K SPG points. Took the points
10/27/16 - $10K annual spend. With much difficulty, was eventually offered 1500 pts for spending $1000 in 3 mths. (Had been offered 1000 pts by the Indian call centre a few weeks ago which I was dissatisfied with.)
11/03/16 - $200k spend (MS) - $95 fee. Originally offered $50 but didn't jump on it. Offered $100. Took the money.
12/10/16 - third time calling, offered same deal of either 25 towards fee or 1500 SPG points - 500 now, 1k after spending 1k in 3 months. Took the points option. 20k spend YTD, had retention offer 2 years ago
12/23/2016: ~2.5k spend YTD (mostly AMEX Offers). Offers were $25 or 500 pts now and 1k pts after $1k spend in 3 months. The AF was charged several months ago.
1/22/17- $15K spend. Called retention and offered either $80 statement credit or 7,000 SPG points. Took 2nd option. Amex member since 2012.
4/22/17 - ~60K spend. $100 statement credit or 10K SPG points. Took the points.
4/23/2017 - 10K spend. Called the retention number and they offered 100 or 10K. I took 10K and many thx to all of u here!
5/3/2017 - 53k spend. Offered 10K points and took it
5/11/17 - $100 statement credit or 10k points. Took the points.
5/18/2017 ~30000 spend, offered 100 statement credit or 10000 points
5/18/17 - Nada, $0, zilch for an offer. ~$4k spend in past year and first anniversary.
5/22/17 - ~30k Spend. Offered $100 Statement Credit or 10k Points. Took the Points
6/08/2017 - $15k spend annually and was offered either $100 statement credit or 10k points. Took the points
6/13/2017 - Had card for 14 years. Low spend due to using Chase Reserve. No offers told me pay or cancel. No product change available. UPDATE: Called for past 2 days. Nada. Cancelled. bye bye AmEx, Hello CSR.
6/30/2017 - First anniversary, little spend on the card but a significant portfolio of Amex cards. 10k points.
7/14/17 - spent 20k, got 7k points with $1500 spend in 3 months required. Accepted. Last year got nada but had spent very little.
7/21/17 - Spouse's card; <$3,000 spend in 3rd year; she called in to cancel, they offered $100 credit (no strings); she is keeping the card
8/24/17 - Little spend, usually on Amex offers only. Most spend goes to Biz version. No offers available. Kept the card since I make up for the AF on Amex offers.
9/16/2017 - $20K per year; $50 credit or 10,000 points for $2K spend in 3 months - took latter
9/16/2017 - $6k/yr. 7 yrs holding card. $100 credit no strings. Accepted. Calendar reminder set to cancel next year.
9/18/2017 30 year Amex history, $34K spend, offered and took $95 credit
10/1/2017 13 years with this card, min annual spend for last 2 years, no offer so moved cl to DL Plat AMEX and closed SPG.
10/3/2017 12 year amex history, probably 6 with SPG card, $15-20K annual spend. Annual fee hit account back in June but forgot to call until today. Offered 7K bonus points for $1000 in spend over 90 days. Accepted
10/10/2017 Offered 10K SPG points for $3k spend over 3 months. Offer accepted!
10/13/2017 Offered 10K SPG points for $3k spend over 3 months. Original offer by SPG and Accepted. Took me less than 5 minutes.
10/26/17 Offered $100 credit for $2500 spend in next three months and declined! Fee isn't until early January so didn't have much leverage. Said if you offer me a point deal I'd commit to the spend, but no dice. Will call back when annual fee hits.
12/22/17 30-year member. $10k spend. Offered $100 credit for $2k spend in 3 months or 10k SPG points for $3k spend in 3 months.
1/17/18: Personal Card. Offered 7000 SPG points for $1,500 spend in 3 months. Took offer.
2/23/2018: 7k points for 1k spend in 90 days. 7.5k annual spend
3/27/2018: 7k points for 1k spend in 90 days. Took offer.
3/30/2018: no retention offer. Got 10k last year, minimal spend since then. Would not allow product change.
4/13/2018: 7k points for $1.5k spend in 3 months
4/20/2018: 7k points for $1k Spend in 1 month. Accepted.
4/26/2018: 7k points for $500 spend in 1 month. Accepted.
4/28/2018: 10k points for $1k spend in 1 month. Accepted.
5/1/2018: 40$ to offset annual fee. Accepted
5/6/2018: 7k points for $500 spend in 1 month. Rejected.
5/9/2018: 7K points for $500 spend in 1 month. Accepted. ($15K spend in 2017)
5/22/2018: 7k points for $500 spend in 1 month. Accepted. First renewal, ~$6k on card over first year, no activity for 4 months.
6/8/2018: 7k points for $500 spend in 1 month. Accepted.
7/25/18: $100 statement credit after $2500 spend in 3 months. Accepted.
7/30/18: $75 statement credit after $2000 spend in 3 months. Accepted.
8/24/18: Offered $100 statement credit after $2500 spend or 30k points after $3000 spend in 3 months. Took the points.
9/4/18: 20k points for $2k in 3mo offer Received and accepted.
9/6/18: $75 statement credit or 20K points after $2K spend, took the points.
9/20/18: $95 fee waived, no other offers - accepted
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SPG Business
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1/19/2015 - $100 Statement credit (didn't ask if points were available) $14k spend
8/6/2015 - $9K spend in 1st year; offered and accepted $50 statement credit.
8/24/2015 - $30k annual spend. 2nd anniversary. Offered 10k points, statement credit was not an option available to me. Took the points.
9/8/2015 - $51k annual spend. 2nd anniversary. No offers at all. I did get a $50 statement credit last year though.
09/20/2015 - $50 statement credit (on $65 card)
9/22/2015- $100 Statement credit. Didn't ask about points. 6K Spend.
9/25/2015 - $5k spend in the first year. No offers. I cancelled.
10/2/2015 - $35K annual spend. 2nd anniversary. Offered $100 statement credit.
10/6/2015 - $8k spend over last 12 months, much of it at Target for Redcard reloads. Offered and accepted $100 statement credit. More details here.
11/30/2015: $15k spend in past year, offered $100 statement credit. Accepted. My AF was a couple months ago and was told there were no offers when I called initially.
12/14/2015 - $100 Statement Credit. $15k spend since 2014 AF, but $0 spend since 9/14/15 when AF hit (90 days ago). I asked how much prorated fee if I cancelled. He said "$71, or I can just give you $100".
6/10/16: No offer. Less than $2k spend in past year.
7/19/16: No offer on first call but $25 statement credit after HUCA. Only 3k in spend in last 12 months. Accepted offer.
8/14/16: no offer on 2 calls. $3000 spend in the last year.
8/28/16: Offered $25 on first call, bringing fee down to $40. Keeping card.
10/10/16: Offered $25 first call by calling # above. Accepted
10/16/16 - Offered $25 first call, same offer HUCA two weeks later. $20k spend YTD. Accepted. (Received $100 offer in 2015 for $14k spend)
10/3116: seldom use this card-was NOT offered any bonus to keep card
11/3/16 - No offer. $135k spend. I'll wait a couple of weeks and try again.
12/10/16: No offer... $60k spend. $95 annual fee was just posted. said they offered me $100 last year, nothing to offer now. will try again in the near future. called again (03/05/2017), spent 70k in 2017 so far, still no offer
1/19/17: No offer after multiple tries. Approx. $10K spend. Closed card
2/8/17 Had card replaced due to fraud January, $35K spend 2016, Fee due March, called about another matter and offered $95 credit and 6K points.
2/28/17: Called twice after $95 fee posted for SPG Biz card. $120k spend in 2016. After several years of getting offers, none were forthcoming. Card closed.
3/5/17: Called retention no in wiki after 2 unsuccessful attempts on regular no. Offered $25 credit and I took it. Had not charged anything the whole year but used Club lounge access many times with family.
4/13/17: first renewal, fee posted - 6k spend prior 12mo - retention line in wiki called - $25 credit offered, closed
4/22/17 - ~10K spend. Called 3x over a couple of weeks, no offers.
5/22/17 - ~20k Spend. Offered $25 Statement Credit. Closed account.
7/21/17 - ~$10k spend. No offers, keeping card since I have the $65 AF still.
7/21/17 - ~$150k spend. Took $50 credit.
8/23/17 - ~$30k spend. Offered $25 credit off of $65 AF. Accepted.
8/30/17: Virtually no spend. No offers. Kept card because of the lounge access benefit.
10/2/17- ~10k Spend. Offered $25 Statement Credit.
10/14/17 - $30K+ spend. No offers. Rep mentioned $25 credit in 2016 is the reason. Canceled card.
10/23/17: Second annual fee posted October 1; paid first year AF in 2016 without requesting a retention offer; ~$10K spend; received $25 statement credit offer; no points offers available
12/22/17 - ~10k Spend. Offered $25 Statement Credit. Rep mentioned no points offer avail, only the $25 statement credit.
4/13/17 - Basically no spend other than what was needed on card open. Overall AmEx member for 18 years, but this card for only one. Offered 10k points for no spend. Took it.
3/13/2018: Offered 10,000 SPG points & accepted. Pts will be posted in 8-12 weeks. Didn't ask for further offers. Card since 2013. $80k spending in 2017, annual fee was charged in September. Last yr received $95 credit.
4/12/2018: 2nd call. Offered 5K SPG points, no minimum spend. No further offers. Accepted. ~20K spend in 2017. Last year no offers, multiple calls.
4/18/2018: AF posted 4/17. 1st call no offer, ~100K spend in first year.
4/26/2018. AF just posted. Essentially no spend over last year. Offered 10K points with no spending requirement. Accepted.
4/27/2018: AF posted 4/26. $8k spend in past year. No offer on first call 4/27. Plan to call again in 2 and 4 weeks (then cancel); will update wiki with results.
4/28/2018: AF Posted 4/13. Minimal spend beyond what was needed to get new account bonus. No offer, card cancelled.
4/28/2018: AF date in Aug; ~40k annual spend (all SPG hotels); offered 5k starpoints + another 5k after 2k in spend within 30 days (Total 10K for 2k spend); accepted, will re-evaluate in Aug
4/28/20218: AF posted 4/17. just called...no offer, closed the card to free up one Amex slot for applying for other cards.
4/30/2018: 10k no requirements
4/30/2018: AF posted 4/20/18, first renewal. Spent $43K in last 12 months. No offer.
5/4/2018 First renewal, minimum spend, no offer.
8/2/2018: AF posted 7/16, ~$10k spend past year, no offer.
8/3/2018: AF posted in July, offered 20,000 starpoints for $2000 in spend in 3 months.
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Old Aug 13, 18, 9:15 pm
  #1651  
 
Join Date: Apr 2015
Posts: 239
Originally Posted by tklchris2003 View Post
Called multiple times to do a PC on my SPG Personal I've had since 2011 to ANY card, including Everyday no-fee or platinum card. Told each time you can't go between family of cards and I have the lowest option in the SPG family. Only options are to close account and loose the credit history, or continue paying the AF and hope in the future they release a no-fee spg product.

Fast forward to retention and was offered $100 credit after $2,500.00 spend in 90 days, or 30,000 Starpoints after $3,000.00 spend in 90 days. Called back to confirm with a regular agent and another retention representative that it was Starpoints that will convert in to 90,000 marriott points and each confirmed the wording I accepted. Great deal if it goes through as such. We shall see!

I put $30k - $50K spend each year on this card but really want to PC to a no-fee once the option exists again. For now this offer is fine combined with a night free. Hope that helps.
Not going to be 30k starpoints.
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Old Aug 14, 18, 1:27 pm
  #1652  
 
Join Date: Feb 2009
Posts: 26
Called and was offered $75 credit or 20,000 points for $2,000 in spend in 3 months. Took the 20,000 points and will not be using this card for everyday spend as I have at various times in the past. It will mostly become a sock-drawer card and I'll see if I can get value out of it on the annual free night.
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Old Aug 14, 18, 1:54 pm
  #1653  
 
Join Date: Jul 2014
Posts: 177
Originally Posted by phltraveler View Post
No, Amex changed the rules in 2017. You used to be able to product change from one co-branded card to another co-branded card, so you could PC the SPG Amex to a Hilton Amex with no annual fee. In 2017 they changed that, and now you can only product change within the particular co-brand (e.g. SPG Amexes). Since Amex does not offer an SPG credit card without AF, you can't PC to a product without annual fee.
Thanks!

Folks that are receiving retention offers - did you receive one recently/last year as well?
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Old Aug 14, 18, 2:22 pm
  #1654  
 
Join Date: Mar 2003
Posts: 1,427
SPG Personal with July AF: Today I got the $75 credit or 20K "points"; both requiring $2K spend in 3 months. Agent was up-to-speed on the "points" being the new points and thus Marriott points. I took the points option as I've had the card for a long time and, while no free night this year, I'll hang in there...

Last edited by alien; Aug 14, 18 at 2:28 pm
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Old Aug 15, 18, 7:17 pm
  #1655  
 
Join Date: Jan 2005
Location: Los Angeles, CA
Programs: Marriott Platinum, HH Gold, BW Diamond Select
Posts: 379
Originally Posted by alien View Post
SPG Personal with July AF: Today I got the $75 credit or 20K "points"; both requiring $2K spend in 3 months. Agent was up-to-speed on the "points" being the new points and thus Marriott points. I took the points option as I've had the card for a long time and, while no free night this year, I'll hang in there...
Same here! July AF (so no free night until next year), but got the same retention bonus...though I was all ready to cancel to sign up for the Marriott card for the 75k bonus (only good until 8/26 if you have existing Marriott/SPG card). I took the 20K MR pts (yes, agent said it was MR pts, not SPG) for $2k spend in 3 months.
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Old Aug 17, 18, 1:53 pm
  #1656  
 
Join Date: Sep 2016
Posts: 73
My AF posted last week; I called in and got a retention offer of 20,000 Marriott points after $2k spend as well.
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Old Aug 18, 18, 6:02 pm
  #1657  
 
Join Date: Jan 2017
Location: GEG/DEN/ATL
Programs: UA 1K, TK E+, AS MVPG, SPG&Marriott Plat, HHD, Hertz PC
Posts: 106
Just called in. Zilch. The only option was to close it.
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Old Aug 21, 18, 10:13 am
  #1658  
 
Join Date: Jul 2011
Location: NYC/DC
Programs: HHonors Gold, SPG/Marriott platinum elite, Hyatt Discoverist
Posts: 84
Took the 20k pts for 2k spend in 3 months

I didnít want to close my card because I have some upcoming stays at SPG properties. Annual fee hit last month, so I missed the free night certificate by a few days. Was offered $75 stmt credit or 20,000 points (new points, not SPG points), with 2k in spend within 3 months of today. Took the points. Hopefully Iíll be able to make use of my combined point total. Whenever they end up combining by SPG and Marriott accounts.
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Old Sep 3, 18, 2:57 pm
  #1659  
 
Join Date: Jul 2014
Posts: 177
Looks like they are getting stingy in offering retention offers on SPG personal. My AF is going to hit soon and one of the main reasons for me to keep the card with no retention offer is due to the fact that this is one of my oldest cards. I do have other Amex cards that did get the opening date of this card (when amex was still doing that) - does anyone know if my amex history, in terms of length, be intact even if I choose to close my SPG, since I would still have the other cards with the older date? Thanks!
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Old Sep 4, 18, 2:22 am
  #1660  
 
Join Date: Jan 2002
Location: SoCal, CA
Programs: AA 1MM GO, SW A-List
Posts: 34
Originally Posted by neony77 View Post
Looks like they are getting stingy in offering retention offers on SPG personal. My AF is going to hit soon and one of the main reasons for me to keep the card with no retention offer is due to the fact that this is one of my oldest cards. I do have other Amex cards that did get the opening date of this card (when amex was still doing that) - does anyone know if my amex history, in terms of length, be intact even if I choose to close my SPG, since I would still have the other cards with the older date? Thanks!
Keep calling, I was in the same boat and had to call in a couple times. First time I called was offered nothing, eventually got the 20k points for $2k in 3mo offer, was first offered the statement credit but then asked if there was any points offer.

My SPG AmEx is my oldest card with history (19 yrs) by 3 years, so very inclined to keep it. With the retention bonus and now the annual night likely to just keep the card. Actually, got the upgrade offer so once the retention posts going to upgrade and do yet another challenge for points .

Never did a retention offer before do the points automatically post once you hit the min required spend (or the bill needs to be paid?). Want to make sure I get the retention bonus before I do the upgrade offer to Luxury. Got till 10/31.

Thanks!
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Old Sep 4, 18, 9:37 am
  #1661  
 
Join Date: Jun 2004
Programs: Marriott/Starwood LPP+A, Hilton HHonors Diamond, IHG Platinum, United Premier Silver
Posts: 621
Did SPG cardholders receive any sort of loyalty bonus for keeping the card through the merger? I ask because I received a mysterious 10K in my account when my monthly spend points posted this month. I have no idea what it is from and it is labeled "loyalty." I did have an outstanding issue with them for several months where they said they would give me 10K for I think $3K spend and they never posted it and basically said they never would, so I actually gave up on that a couple of months back. I would be surprised if this is that, but don't know what else it would be. Also, that was supposed to be 10K points pre-merger, which I think should have been 30K now? So I am still trying to figure out what they are.
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Old Sep 4, 18, 9:54 am
  #1662  
 
Join Date: Jun 2004
Programs: Marriott/Starwood LPP+A, Hilton HHonors Diamond, IHG Platinum, United Premier Silver
Posts: 621
Originally Posted by sinfonia View Post
Did SPG cardholders receive any sort of loyalty bonus for keeping the card through the merger? I ask because I received a mysterious 10K in my account when my monthly spend points posted this month. I have no idea what it is from and it is labeled "loyalty." I did have an outstanding issue with them for several months where they said they would give me 10K for I think $3K spend and they never posted it and basically said they never would, so I actually gave up on that a couple of months back. I would be surprised if this is that, but don't know what else it would be. Also, that was supposed to be 10K points pre-merger, which I think should have been 30K now? So I am still trying to figure out what they are.
Update: okay, I just called in about this and they said that indeed, it was the 10K points I was offered way back in November or December that they said they would never post. I guess somehow my appeal worked and they posted it. However, when I asked the agent in the department that deals with this about 10K SPG points not equaling 10K Marriott points, she just said that nothing else could be done because "that is just how it goes after the merger." It seemed weird to me. Honestly, I had sort of written it off so did not expect anything, but does this seem odd? Does anyone else have similar issues where SPG points promised before the merger end up coming as the same number of Marriott points?
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Old Sep 4, 18, 3:26 pm
  #1663  
 
Join Date: Aug 2002
Programs: Hilton - Diamond; Marriott - Silver; National - Executive; Hertz - Five Star; Amtrak Select
Posts: 61
20k points for $2k in 3mo offer

Received and accepted.

I called the direct retention number today and explained that my card had just come up for renewal and I was thinking of cancelling because of the devaluation. I asked if AmEx was offering any incentives to stay. The agent engaged in a friendly update--scripted, I presume--about the new, free night credit; the airline transfer partners; etc. Then offered me the retention offer.
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Old Sep 4, 18, 3:33 pm
  #1664  
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Join Date: Jan 2009
Location: BTR
Programs: AA PlatPro 2.2MM; SPG Plat (LTG); Mar Plat; IHG Plat; Hilton Gold; Vistana 5-Star Elite
Posts: 5,824
Originally Posted by neony77 View Post
Looks like they are getting stingy in offering retention offers on SPG personal. My AF is going to hit soon and one of the main reasons for me to keep the card with no retention offer is due to the fact that this is one of my oldest cards. I do have other Amex cards that did get the opening date of this card (when amex was still doing that) - does anyone know if my amex history, in terms of length, be intact even if I choose to close my SPG, since I would still have the other cards with the older date? Thanks!
Run a copy of your free credit report. Do all your AMEX accounts show the same open date? I bet the older date is only showing on the face of the card.

Even if they do show the same date in your credit report, there could still be a credit score hit with the cancellation since some of the FICO scores utilize an average credit card age and the cancellation could change the average.
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Old Sep 6, 18, 1:13 am
  #1665  
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Join Date: Jul 2003
Location: Florida
Posts: 25,716
Originally Posted by controller1 View Post


Run a copy of your free credit report. Do all your AMEX accounts show the same open date? I bet the older date is only showing on the face of the card.

Even if they do show the same date in your credit report, there could still be a credit score hit with the cancellation since some of the FICO scores utilize an average credit card age and the cancellation could change the average.
Cancelled cards still remain in your report and in the calculation for average age, for the next 10 years just as an FYI. There is hardly any noticeable hit from the age.
What may hit you is the reduced aggregated available credit versus the utilization especially the canceled PERSONAL cards have high credit lines. Business cards are not reported so have zero impact on the reports.
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