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    <title>topic Re: American Express Gold Card is Crap!!! in Credit Cards</title>
    <link>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1220989#M341271</link>
    <description>&lt;blockquote&gt;&lt;hr&gt;Jonbuck06 wrote:&lt;br&gt;I said I work full time and own my own business so I work full time somewhere else that's how I have paycheck stubs.&lt;hr&gt;&lt;/blockquote&gt;&lt;p&gt;OK. Cool.  So Amex did their F/R and OK'd that you could spend 75K  per month on their cards?  I'm  curious because I can spend 50K a month (and do periodically) but my company grosses around $4,000,000 a year with roughly a 10%-15% margin.   I'd like to know because we've been thinking about switching to a Visa/Mastercard for business, but so far, no one yet wants to float us they same kind of credit line as Amex will give us.  What kind of margins does your company do (if you don't mind me asking),  and how much does your income from your W-2 job contribute to your ability to borrow?    &lt;/p&gt;</description>
    <pubDate>Mon, 13 Feb 2012 00:20:15 GMT</pubDate>
    <dc:creator>android01</dc:creator>
    <dc:date>2012-02-13T00:20:15Z</dc:date>
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      <title>American Express Gold Card is Crap!!!</title>
      <link>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201691#M336388</link>
      <description>&lt;p&gt;American Express is crap!!&lt;/p&gt;</description>
      <pubDate>Fri, 03 Feb 2012 21:35:50 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201691#M336388</guid>
      <dc:creator>Jonbuck06</dc:creator>
      <dc:date>2012-02-03T21:35:50Z</dc:date>
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      <title>Re: American Express Gold Card is Crap!!!</title>
      <link>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201693#M336389</link>
      <description>&lt;p&gt;Why?&lt;/p&gt;</description>
      <pubDate>Fri, 03 Feb 2012 21:37:12 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201693#M336389</guid>
      <dc:creator>LilloEsquilo</dc:creator>
      <dc:date>2012-02-03T21:37:12Z</dc:date>
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      <title>Re: American Express Gold Card is Crap!!!</title>
      <link>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201697#M336391</link>
      <description>&lt;p&gt;Mind expanding on that thought, or do you just want to sound bitter for no reason at all?&lt;/p&gt;</description>
      <pubDate>Fri, 03 Feb 2012 21:37:38 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201697#M336391</guid>
      <dc:creator>Linuss</dc:creator>
      <dc:date>2012-02-03T21:37:38Z</dc:date>
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      <title>Re: American Express Gold Card is Crap!!!</title>
      <link>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201703#M336394</link>
      <description>&lt;p&gt; &lt;/p&gt;&lt;p&gt;I'll trade you my Zync for your Gold.....:smileywink:&lt;/p&gt;</description>
      <pubDate>Fri, 03 Feb 2012 21:39:25 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201703#M336394</guid>
      <dc:creator>pizzadude</dc:creator>
      <dc:date>2012-02-03T21:39:25Z</dc:date>
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      <title>Re: American Express Gold Card is Crap!!!</title>
      <link>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201719#M336400</link>
      <description>&lt;blockquote&gt;&lt;hr&gt;pizzadude wrote:&lt;br&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;I'll trade you my Zync for your Gold.....:smileywink:&lt;/p&gt;&lt;hr&gt;&lt;/blockquote&gt;&lt;p&gt;LOL, as long as he pays your AF :smileywink:.&lt;/p&gt;</description>
      <pubDate>Fri, 03 Feb 2012 21:46:02 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201719#M336400</guid>
      <dc:creator>GBPac12</dc:creator>
      <dc:date>2012-02-03T21:46:02Z</dc:date>
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      <title>Re: American Express Gold Card is Crap!!!</title>
      <link>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201727#M336402</link>
      <description>&lt;p&gt;I just got my card and activated it and they suspended my account and are do a FR on me already!!&lt;/p&gt;</description>
      <pubDate>Fri, 03 Feb 2012 21:47:29 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201727#M336402</guid>
      <dc:creator>Jonbuck06</dc:creator>
      <dc:date>2012-02-03T21:47:29Z</dc:date>
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      <title>Re: American Express Gold Card is Crap!!!</title>
      <link>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201735#M336405</link>
      <description>&lt;p&gt;OK, why?  Something must have looked funky in your application.&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;If you were honest about your income you have nothing to worry about.&lt;/p&gt;</description>
      <pubDate>Fri, 03 Feb 2012 21:49:35 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201735#M336405</guid>
      <dc:creator>DrJim</dc:creator>
      <dc:date>2012-02-03T21:49:35Z</dc:date>
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      <title>Re: American Express Gold Card is Crap!!!</title>
      <link>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201743#M336406</link>
      <description>&lt;p&gt; &lt;/p&gt;&lt;p&gt;Did you use either of your Green or Gold cards, and buy anything expensive ??&lt;/p&gt;</description>
      <pubDate>Fri, 03 Feb 2012 21:51:10 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201743#M336406</guid>
      <dc:creator>pizzadude</dc:creator>
      <dc:date>2012-02-03T21:51:10Z</dc:date>
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      <title>Re: American Express Gold Card is Crap!!!</title>
      <link>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201747#M336407</link>
      <description>&lt;p&gt;Didn't you apply for Zync, Green and Gold within a short period of time?  That could be why.&lt;/p&gt;</description>
      <pubDate>Fri, 03 Feb 2012 21:53:08 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201747#M336407</guid>
      <dc:creator>nwokcguy</dc:creator>
      <dc:date>2012-02-03T21:53:08Z</dc:date>
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      <title>Re: American Express Gold Card is Crap!!!</title>
      <link>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201775#M336416</link>
      <description>&lt;p&gt;i havent recieved my Green Card yet and as soon as i activated my Gold Card i told them i was gonna spend alot on my card and thats what triggered it. after i send documents how long does review take?&lt;/p&gt;</description>
      <pubDate>Fri, 03 Feb 2012 22:00:02 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201775#M336416</guid>
      <dc:creator>Jonbuck06</dc:creator>
      <dc:date>2012-02-03T22:00:02Z</dc:date>
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    <item>
      <title>Re: American Express Gold Card is Crap!!!</title>
      <link>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201823#M336433</link>
      <description>&lt;blockquote&gt;&lt;hr&gt;Jonbuck06 wrote:&lt;br&gt;&lt;p&gt;i havent recieved my Green Card yet and as soon as i activated my Gold Card &lt;font color="#0000ff"&gt;&lt;strong&gt;i told them i was gonna spend alot on my card&lt;/strong&gt;&lt;/font&gt; and thats what triggered it. after i send documents how long does review take?&lt;/p&gt;&lt;hr&gt;&lt;/blockquote&gt;&lt;p&gt;&lt;br&gt;How exactly did you do this ?   Did you have to call in to activate your card or did you test your spending ability on the AMEX website ??&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Also how much were you planning on charging ?&lt;/p&gt;</description>
      <pubDate>Fri, 03 Feb 2012 22:12:59 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201823#M336433</guid>
      <dc:creator>pizzadude</dc:creator>
      <dc:date>2012-02-03T22:12:59Z</dc:date>
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      <title>Re: American Express Gold Card is Crap!!!</title>
      <link>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201839#M336439</link>
      <description>&lt;blockquote&gt;&lt;hr&gt;Jonbuck06 wrote:&lt;br&gt;&lt;p&gt;i havent recieved my Green Card yet and as soon as i activated my Gold Card i told them i was gonna spend alot on my card and thats what triggered it. after i send documents how long does review take?&lt;/p&gt;&lt;hr&gt;&lt;/blockquote&gt;&lt;p&gt;Did you say a crazy number or something way above your income? They let me charge 3x my income stated on the report without even a phone call which is why im asking.&lt;/p&gt;</description>
      <pubDate>Fri, 03 Feb 2012 22:18:11 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201839#M336439</guid>
      <dc:creator>TannerK</dc:creator>
      <dc:date>2012-02-03T22:18:11Z</dc:date>
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      <title>Re: American Express Gold Card is Crap!!!</title>
      <link>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201853#M336444</link>
      <description>&lt;blockquote&gt;&lt;hr&gt;Jonbuck06 wrote:&lt;br&gt;&lt;p&gt;I just got my card and activated it and they suspended my account and are do a FR on me already!!&lt;/p&gt;&lt;hr&gt;&lt;/blockquote&gt;&lt;p&gt;What................&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Man i'm losing my interest in this company quick.&lt;/p&gt;</description>
      <pubDate>Fri, 03 Feb 2012 22:21:12 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201853#M336444</guid>
      <dc:creator>LS2982</dc:creator>
      <dc:date>2012-02-03T22:21:12Z</dc:date>
    </item>
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      <title>Re: American Express Gold Card is Crap!!!</title>
      <link>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201865#M336448</link>
      <description>&lt;p&gt;it has to be a joke...stop scaring the people with new Amex account..&lt;/p&gt;</description>
      <pubDate>Fri, 03 Feb 2012 22:25:37 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201865#M336448</guid>
      <dc:creator>pkhuu78</dc:creator>
      <dc:date>2012-02-03T22:25:37Z</dc:date>
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      <title>Re: American Express Gold Card is Crap!!!</title>
      <link>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201869#M336450</link>
      <description>&lt;p&gt;my income is $356k because i work full time and own a business so im real busy and i told them i was gonna spend 75k or more a month and i asked if my card could handle it and they said they want to do income verification. or FR&lt;/p&gt;</description>
      <pubDate>Fri, 03 Feb 2012 22:25:41 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201869#M336450</guid>
      <dc:creator>Jonbuck06</dc:creator>
      <dc:date>2012-02-03T22:25:41Z</dc:date>
    </item>
    <item>
      <title>Re: American Express Gold Card is Crap!!!</title>
      <link>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201881#M336456</link>
      <description>&lt;blockquote&gt;&lt;hr&gt;Jonbuck06 wrote:&lt;br&gt;&lt;p&gt;my income is $356k because i work full time and own a business so im real busy and i told them i was gonna spend 75k or more a month and i asked if my card could handle it and they said they want to do income verification. or FR&lt;/p&gt;&lt;hr&gt;&lt;/blockquote&gt;&lt;p&gt;&lt;br&gt;In addition to this, from reading some of your past posts, you've recently applied for mutliple accounts, you were denied for Amex cards mutliple times, you had to take out a $90K personal loan (realize you had good reasons), and if I recall, you just turned 18 last year.  I'm not trying to beat up on you, but I see these kinds of threads all the time.  Someone posts that they have been FR'd as if it came completely out of the blue.  When you don't list the possible reasons that it could have happened, it serves to fan the Amex FR hysteria.&lt;/p&gt;</description>
      <pubDate>Fri, 03 Feb 2012 22:26:47 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201881#M336456</guid>
      <dc:creator>Walt_K</dc:creator>
      <dc:date>2012-02-03T22:26:47Z</dc:date>
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      <title>Re: American Express Gold Card is Crap!!!</title>
      <link>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201883#M336457</link>
      <description>&lt;blockquote&gt;&lt;hr&gt;LS2982 wrote:&lt;br&gt;&lt;blockquote&gt;&lt;hr&gt;Jonbuck06 wrote:&lt;br&gt;&lt;p&gt;I just got my card and activated it and they suspended my account and are do a FR on me already!!&lt;/p&gt;&lt;hr&gt;&lt;/blockquote&gt;&lt;p&gt;What................&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Man i'm losing my interest in this company quick.&lt;/p&gt;&lt;hr&gt;&lt;/blockquote&gt;&lt;p&gt;What...................&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Why would you base your opinion of a CC on an a single CCH? I am pretty sure the company has their reasons. We don't even know anything about the applicant???&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;P.S. Your entitled to your own opinion :smileytongue:&lt;/p&gt;</description>
      <pubDate>Fri, 03 Feb 2012 22:27:25 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201883#M336457</guid>
      <dc:creator>GBPac12</dc:creator>
      <dc:date>2012-02-03T22:27:25Z</dc:date>
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      <title>Re: American Express Gold Card is Crap!!!</title>
      <link>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201885#M336458</link>
      <description>&lt;blockquote&gt;&lt;hr&gt;Jonbuck06 wrote:&lt;br&gt;&lt;p&gt;my income is $356k because i work full time and own a business so im real busy and i told them i was gonna spend 75k or more a month and i asked if my card could handle it and they said they want to do income verification. or FR&lt;/p&gt;&lt;hr&gt;&lt;/blockquote&gt;&lt;p&gt;Did they ask you how much you were going to spend on the card or did you provide this info. to them willingly?&lt;/p&gt;</description>
      <pubDate>Fri, 03 Feb 2012 22:27:28 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201885#M336458</guid>
      <dc:creator>LS2982</dc:creator>
      <dc:date>2012-02-03T22:27:28Z</dc:date>
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      <title>Re: American Express Gold Card is Crap!!!</title>
      <link>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201889#M336460</link>
      <description>&lt;blockquote&gt;&lt;hr&gt;Walt_K wrote:&lt;br&gt;&lt;blockquote&gt;&lt;hr&gt;Jonbuck06 wrote:&lt;br&gt;&lt;p&gt;my income is $356k because i work full time and own a business so im real busy and i told them i was gonna spend 75k or more a month and i asked if my card could handle it and they said they want to do income verification. or FR&lt;/p&gt;&lt;hr&gt;&lt;/blockquote&gt;&lt;p&gt;&lt;br&gt;In addition to this, from reading some of your past posts, you've recently applied for mutliple accounts, you were denied for Amex cards mutliple times, you had to take out a $90K personal loan (realize you had good reasons), and if I recall, you just turned 18 last year.  I'm not trying to beat up on you, but I see these kinds of threads all the time.  Someone posts that they have been FR'd as if it came completely out of the blue.  When you don't list the possible reasons that it could have happened, it serves to fan the Amex FR hysteria.&lt;/p&gt;&lt;hr&gt;&lt;/blockquote&gt;&lt;p&gt;+1&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Now it makes sense.&lt;/p&gt;</description>
      <pubDate>Fri, 03 Feb 2012 22:28:25 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201889#M336460</guid>
      <dc:creator>LS2982</dc:creator>
      <dc:date>2012-02-03T22:28:25Z</dc:date>
    </item>
    <item>
      <title>Re: American Express Gold Card is Crap!!!</title>
      <link>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201893#M336462</link>
      <description>&lt;blockquote&gt;&lt;hr&gt;GBPac12 wrote:&lt;br&gt;&lt;blockquote&gt;&lt;hr&gt;LS2982 wrote:&lt;br&gt;&lt;blockquote&gt;&lt;hr&gt;Jonbuck06 wrote:&lt;br&gt;&lt;p&gt;I just got my card and activated it and they suspended my account and are do a FR on me already!!&lt;/p&gt;&lt;hr&gt;&lt;/blockquote&gt;&lt;p&gt;What................&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Man i'm losing my interest in this company quick.&lt;/p&gt;&lt;hr&gt;&lt;/blockquote&gt;&lt;p&gt;What...................&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;Why would you base your opinion of a CC on an a single CCH? I am pretty sure the company has their reasons. We don't even know anything about the applicant???&lt;/p&gt;&lt;p&gt; &lt;/p&gt;&lt;p&gt;P.S. Your entitled to your own opinion :smileytongue:&lt;/p&gt;&lt;hr&gt;&lt;/blockquote&gt;&lt;p&gt;eh, quick response. Hearing about F/R's with this company just irks me.&lt;/p&gt;</description>
      <pubDate>Fri, 03 Feb 2012 22:29:30 GMT</pubDate>
      <guid>http://ficoforums.myfico.com/t5/Credit-Cards/American-Express-Gold-Card-is-Crap/m-p/1201893#M336462</guid>
      <dc:creator>LS2982</dc:creator>
      <dc:date>2012-02-03T22:29:30Z</dc:date>
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