Saying Goodbye

Last week, I said goodbye to another credit card: Delta American Express Gold card.

I got the credit card as part my Delta New Member bonus. By getting the card, I earned close to 55,000 miles:

        45,000 sign-up bonus
         5,000 new member credit
         5,000 from credit card spend

The card did what it needed to do: earn miles.

Now, one year later, the annual fee of $95 was due. Could I justify paying $95 for the card?

  - Do I value Skymiles? No!

  - Will I use the free bag? No, I have flown Delta once in 24 months.

  - Do I want another AMEX card? Yes, but is $95 worth keeping it?

After thinking about it, the decision was easy. I called American Express and cancelled the card.

Goodbye Delta American Express . . . I am sorry that I used you.



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Another One Bites the Dust

I arrived home tonight to some bad news. I received a letter from Citi Bank letting me know they are raising the annual fee on my Citi AAdvantage card from $85 to $95.

The reason for the change in annual fee, "In April 2012, we upgraded the benefits that came with your
Citi / AAdvantage credit card. These exciting benefits resulted in a change in the card's annual membership fee."

The only major benefit, I remember, is a 10% rebate of AAdvantage miles redeemed. Is that worth $10 more a year?

The change happens in May 2013 on your next anniversary. For me that is in October.

A copy of the letter I received is below:

This letter made my decision easier.... Na Na Na, Hey Hey Goodbye Citi AAvantage?

Did you get a similar letter? If so, does it change your mind in keeping this card?


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