Is there really no way to downgrade an AmEx SPG to a no-fee card without impacting your line of credit? AmEx has been giving me a run-around for 50 minutes and ultimately saying no.

like
Posting as :
works at
You are currently posting as works at

Why do you want to?

If they drop your credit just open another no fee card to get your credit limit higher

I already have Chase Sapphire Reserve and also AmEx corporate credit card.

Well, I've owned that card for years. It's actually my oldest one. If I close that line of credit, the average age of my accounts would drop and that would impact my credit score, right?

Yes. Do not close it.

Unless you opened another card soon after that is still open. Both average age and age of oldest account are factors

Thanks D1! Does anyone else have any experience with downgrading SPG?

Related Posts

likesmart
likehelpful

Finally have built up an emergency fund after 2 years of working! I’m looking to move most of it to a high yield savings account (and then start investing, woohoo) but not sure which is the best one or if certain ones have better services etc. I’m looking at Marcus just because it seems to have the best rates right now but any info helps! TIA

like

Anyone took personal loan from HDFC !!
What are their interest rates and charges ?
Which bank is best for personal loan considering all charges/ interest rates and all ??

Anyone here from Canada, who went through TN Visa process recently with Google, that can share their experience and timeline of getting the visa? I am planning to take some time off to wrap up relocation related stuff and manage notice period as well so it would be good to get some insight on timelines. Would be great if people here who went through the process can share their experience!

like

McKinsey & Company Where do McKinsey employees usually invest their money in India? McKinsey & Company

like

Rumor: CSR annual fee is increasing to $550. Added perks: DoorDash and Lyft credit.

like

Recommendations for how to allocate 401k with Fidelity. Just switched jobs and have to move from Merrill Lynch to Fidelity

like
like

Thoughts on potential business ideas or investment opportunities where I can live the life I deserve now and not in retirement? I’m always trying to think of potential business ideas and come up with nothing. As far as interests, it doesn’t matter what it is. As long as it makes money I’m interested.

like

Heads up: Hilton is giving triple points during July if you use their credit card for booking. Good opportunity to make up to 54 points per $1. Time to stack up those points! Happy monday! :D

like

Feel like I’m going to turn out to be a loser doing ID and be making crap money forever.

like

Are there resources available for H1b holders thinking to invest? Less than 1year into career and have 10k sitting not sure what to do with it... I’m still unsure if I’ll be in the states long term..

like

Cons of moving 75% of my savings to an Intermediate US Treasury ETF (SCHR)? I wouldn’t mind losing 4-5% if the market rallies, but would rather put cash to work if the market keeps tanking

like

What are some of the best books you’ve read about people and investing? Such as dealing with people (business psychology almost) and then investing (real estate more specifically)!

I am looking for books that give practical advice, not just big picture theory and motivation.

like

So what stonks are we buying?

like

Is this an aggressive position? Would you use final regulations effective for tax year beggining Dec 16, 2020 to support a deduction for calendar tax year 2020? Proposed regulations didn't include this exception. More details below.

Abandoning Green Card
Has anybody experience in giving up the LPR status after leaving the US for work and residency in another country/homecountry? I come from a low tax country and wonder whether Uncle Sam will send a final tax bill or penalty fee or even make it difficult/impossible for me to abandon the GC once I will leave the US again. This is crucial for me to apply for the GC.

like

That Carlos Matos Bitconnect video still makes me laugh.. hope everyone stayed away from anything that tried to combine crypto and lending.

More Posts

Hi team,
How's the medical insurance for parents in Mindtree? Is it worth or should I opt for external health insurance? Could anyone pls guide? Parent is nearly 60 now.

New to gds. is today salary day? Or tomorrow?

like

Anyone from EXL.need some interview tips.Thanks in advance.

like

Best happy hour places in dowtown? Office location is brightline station so someting relatively close would be ideal. Trying to take advantage of happy hour since i never come into office😅🥲

like

Anyone has given the BIE interview recently? If yes, can you please help me understand what sorts of questions were asked?
Amazon

like

Hello, Can someone refer me at Amazon. I have 16 yrs exp working in Accounts & French operations. Looking for day shift opening only. Thanks in advance!

like

What if your second round of interview was average? Will there be 3rd round? Or you will be rejected and no the process will be concluded then and there? How long so they take to send rejection intimation?

Hi fishes,

I got selected for sps T4, however I'm uncertain about the job role , if anyone could give insight about how the role is and what are the growth opportunities it would be great!

Thanks in advance!!! 😊

likehelpful

Check your band for year 2020-21

funnylike

I am looking to make a career change to HR. I currently make 75K as a sales and development coach. I had a recent offer for a state government position in a talent acquisition role but I’d be taking a $25K pay cut. I am extremely over qualified for the position but it could possibly be a stepping stone and gives me the time to acquire SHRM certifications and possibly start taking classes to get my MBA. My question is those currently in an HR role, would this move make sense to you?

like

What vendor do you use for cold direct mail lists?

like

An order by President Trump will temporarily limit a variety of visas, including some that immigrants use to enter the U.S. to do work ranging from landscaping to tech.

like
like

How much is the weekend/holidays on-call/shift allowance in SAP labs..?

like

£200 for WFH equipment , what are you fishes getting

Anyone in Bay Area for the holidays? 29M

What are your thoughts about putting an explanation for the current gap (as in, I haven’t been working for several months) on your resume, LinkedIn profile or cover letter? If you think it should be included in one of these places, how would you do it?

like

Hi All,

I'm searching for job with WFH 🏠. I have Java microservices experience of 5 yrs. Also the notice period is 3 months.

But I'm not able to find much opportunities. Please let me know if you know any companies or refer me in.

Thank you in advance!

Hello Team

Could someone please help me with the expected CTC for service engineer inwith 3 years of experience?
I reviewed few details on Glassdoor & ambitionbox but not getting accurate details.
I saw someone with 2 yrs experience getting around 12lpa for Technical Support Engineer in Microsoft.

Any guidance would be helpful!

like

Additional Posts in Consulting

Any strategy consultant out here willing to share their resume? Hustled and got myself a few intro convos with 2 MBB recruiters, but feel like resume lacks some key pointers. Looking for some inspiration/ ideas on how to enhance my presentation on paper

like

Can somebody please refer me to PWC middle east advisory please?

like

Found this funny... Hats off to PWC SEO team@kpmg @pwc

Post Photo
funnylikeupliftingsmart

Promotion timeline at your firm? Like EY promotes once a year, announced in July and goes into system in October. Just curious

like

How do I say to my counselor, "be prepared to see a big fall of my utilization because of things out of my control" without sounding like complaining or having a lot of negativity?

like

MAKE NAPS GREAT AGAIN. When I become a manager one day, everyone on my team will be allowed the option to take a nap. Sincerely, C

likefunnyupliftinghelpful

What is a Deloitte VP (in consulting) equivalent to in other big 4?

like

What are some concrete reasons why someone in consulting would be fired, other than the obvious stupid things?

like

Let's start a thread of Black Friday deals! Drop your favorites here!

Any must haves for consultants?

like

Can anyone confirm for my friend if PwC takes referrals for graduate/entry level positions? In Australia, if that matters.

like

Those with more experience - have you ever seen anything like crypto in the past? Something so ubiquitously talked about, and so many people have made so much money? I know there’s been bubbles in the past, but this feels more sustained than say tulips. But I’m young so it’s hard to gauge

likefunny

All these layoffs reminding me that loyalty is dead

like

Poll: people who left consulting in 1-2 years, what were the driving factors that led you to leave ?

like

Best consulting firms for PE work (CDD,Value Creation)? Looking for the best firm for exit ops to PE ops eventually. Thanks!

like

How does Accenture’s cell phone reimbursement policy work if you don’t want a new device and just want reimbursement for the plan? From what I am reading we have to charge the cell plan to client?

like

Finally getting a chance to put together a home office space. Looking for tips, photos, ideas. I have two monitors and a laptop so my do a three screen set-up. Debating about getting a standing desk or putting money in a super comfy leather chair. Open to hearing what you have done!

like

Anyone ever received a non conditional sign on bonus ?

like

Why is everyone crazy about Austin / moving there? Have been there countless times and spent significant time there…and genuinely don’t get the hype. Would love to hear an honest perspective on why you think it’s so much better than other places, if you live here or are considering it?

like
funnylikehelpful

What do you look for in a mentor?

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Scan your QR code to download
Fishbowl app on your mobile

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal