topic Re: AMEX is watching me! in Credit Cards

AMEX is watching me!

LesWH — Sun, 23 Dec 2012 13:01:59 GMT

Account review on December 19 and 21. I wonder if they are going to offer me the BCE that I so want!! I remember one poster(Duncanrr I believe) practically begging them to soft him. It seems as though they are peeking into my window on the regular! LOL!! They offered me BS, but it is the BC I want!

Re: AMEX is watching me!

Smug — Sun, 23 Dec 2012 13:08:10 GMT

They do that all the time...nothing new

Re: AMEX is watching me!

SisterGirl — Sun, 23 Dec 2012 14:00:30 GMT

LesWH wrote:
Account review on December 19 and 21. I wonder if they are going to offer me the BCE that I so want!! I remember one poster(Duncanrr I believe) practically begging them to soft him. It seems as though they are peeking into my window on the regular! LOL!! They offered me BS, but it is the BC I want!

They've been doing that to me lately also, but I think it's because I've not been running the amounts like they are used to me doing. I truly believe they are peeping on me to see who is getting the action (LOL).

SisterGirl

Re: AMEX is watching me!

LesWH — Sun, 23 Dec 2012 14:04:37 GMT

SisterGirl wrote:
LesWH wrote:
Account review on December 19 and 21. I wonder if they are going to offer me the BCE that I so want!! I remember one poster(Duncanrr I believe) practically begging them to soft him. It seems as though they are peeking into my window on the regular! LOL!! They offered me BS, but it is the BC I want!
They've been doing that to me lately also, but I think it's because I've not been running the amounts like they are used to me doing. I truly believe they are peeping on me to see who is getting the action (LOL).
SisterGirl

LMAO!! I have been running a lot through my Green for travel, which is why I suspect they offered me the Blue Sky. My utilization with my revolvers is like 2% so I'm like move along, nothing to see here! LOL!

Re: AMEX is watching me!

SisterGirl — Sun, 23 Dec 2012 14:30:20 GMT

LesWH wrote:
SisterGirl wrote:
LesWH wrote:
Account review on December 19 and 21. I wonder if they are going to offer me the BCE that I so want!! I remember one poster(Duncanrr I believe) practically begging them to soft him. It seems as though they are peeking into my window on the regular! LOL!! They offered me BS, but it is the BC I want!
They've been doing that to me lately also, but I think it's because I've not been running the amounts like they are used to me doing. I truly believe they are peeping on me to see who is getting the action (LOL).
SisterGirl
LMAO!! I have been running a lot through my Green for travel, which is why I suspect they offered me the Blue Sky. My utilization with my revolvers is like 2% so I'm like move along, nothing to see here! LOL!

(((ROFLMAO)))....I heard that ! They know that my spending has dwindled, but I guess that want to know I'm not dead either (LOL). They can see "new kids on the playground" & I'm not playing with them. I have the basic green & have pondered going upward....but I became a little disgusted with them over some Foursquare/Twitter promo credits that I had to CALL them for everytime !

Since I've been trying to control my spending with that doggone card after peeping my year end summary the last 2 years, what I've done was put $100.00 on my Serve card with my Amex green (coffee/dining out) & purchase a $100.00 Visa gift card (gas/places that don't do Amex).....and NOTHING else on the charge aside from those purchases. They know what I'm doing (curbing spending) & my invoices the last 2 months have been less than 20 pages. I carry the card as a back up in case of emergencies, but everyone has a plan that works for them....this has PROVEN that I can do anything that I set my mind to do).

SisterGirl

Re: AMEX is watching me!

ztnjpv — Sun, 23 Dec 2012 15:33:26 GMT

How does one know that Amex is doing an account review??

Re: AMEX is watching me!

SisterGirl — Sun, 23 Dec 2012 15:56:25 GMT

ztnjpv wrote:
How does one know that Amex is doing an account review??

AR - American Express.....which is listed under soft inquiries on credit report. Not to be confused with a Financial Review - entirely different matter !

SisterGirl

Re: AMEX is watching me!

armbenderc — Sun, 23 Dec 2012 16:42:34 GMT

I hope Amex SP me before January. I want to apply for BCE

Re: AMEX is watching me!

SisterGirl — Sun, 23 Dec 2012 16:59:40 GMT

armbenderc wrote:
I hope Amex SP me before January. I want to apply for BCE

I'm expecting something to appear in writing (email/snail mail) soon, because they've NEVER soft pulled me like crazy until the last 90 days.....and I'm hoping for the BCE also, but I'm holding out until this time next year.

Sister Girl

Re: AMEX is watching me!

nicholasyud — Sun, 23 Dec 2012 17:35:02 GMT

My 3x increase next month and they already soft me 3 times in last month......used almost 3k on 1000k BCE and Green charge

Re: AMEX is watching me!

ztnjpv — Sun, 23 Dec 2012 17:44:57 GMT

SisterGirl,

Thanks. I thought it was maybe something more straightforward like a message on the inline account. I can't see soft inquiries anywhere on my myfico reports. I know Equifax shows them at equifax.com but I don't subscribe anymore.

Would they mainly survey Experian? And if so, how does one go about seeing soft inquiries on an Experian report with a requesting a physical copy of the report?...or any report?

Re: AMEX is watching me!

daybreakgonesXe — Sun, 23 Dec 2012 18:52:37 GMT

ztnjpv wrote:
SisterGirl,

Thanks. I thought it was maybe something more straightforward like a message on the inline account. I can't see soft inquiries anywhere on my myfico reports. I know Equifax shows them at equifax.com but I don't subscribe anymore.

Would they mainly survey Experian? And if so, how does one go about seeing soft inquiries on an Experian report with a requesting a physical copy of the report?...or any report?

You can actually see your softs on Equifax even without having a report number...go to "dispute my credit report" on the equifax page, enter your information and some security questions will be asked without the confirmation code on your report...voila! Go to inquiries and you'll see both hard and soft ones!

Re: AMEX is watching me!

youngandcreditwrthy — Sun, 23 Dec 2012 19:33:05 GMT

Ive charged over $4000 on my BCE the past two months! Hope they dont FR me!! Hahah

Re: AMEX is watching me!

SnackTrader — Sun, 23 Dec 2012 20:08:44 GMT

ztnjpv wrote:
SisterGirl,

Thanks. I thought it was maybe something more straightforward like a message on the inline account. I can't see soft inquiries anywhere on my myfico reports. I know Equifax shows them at equifax.com but I don't subscribe anymore.

Would they mainly survey Experian? And if so, how does one go about seeing soft inquiries on an Experian report with a requesting a physical copy of the report?...or any report?

You are able to pull a free copy of your credit report once every 12 months at annualcreditreport.com

I pulled my Experian report 30 days ago, but I kept the report number and have continued to view an UPDATED report every 3 or 4 days to track soft pulls, balances, and hard pulls. All for free. Pretty terrific. I believe the report stays available for 90 days or so.

Re: AMEX is watching me!

SisterGirl — Sun, 23 Dec 2012 21:22:18 GMT

ztnjpv wrote:
SisterGirl,

Thanks. I thought it was maybe something more straightforward like a message on the inline account. I can't see soft inquiries anywhere on my myfico reports. I know Equifax shows them at equifax.com but I don't subscribe anymore.

Would they mainly survey Experian? And if so, how does one go about seeing soft inquiries on an Experian report with a requesting a physical copy of the report?...or any report?

Amex will NEVER pull my TU report, but they do Equifax/Experian on a regular basis. What I've done in the past is take a look at my report every when I think about it...for free ! I know that they AR once a month, so I will check either one every 60-90 days (use the reason "adverse action" to get it FREE). They don't know....don't check....and I don't pay !

SisterGirl

Re: AMEX is watching me!

LesWH — Tue, 25 Dec 2012 20:30:58 GMT

And yet another soft pull on Christmas Day!! AMEX is nosey!! LOL!!

Re: AMEX is watching me!

bs6054 — Tue, 25 Dec 2012 20:55:20 GMT

nicholasyud wrote:
My 3x increase next month and they already soft me 3 times in last month......used almost 3k on 1000k BCE and Green charge

1000K BCE? That's a lot of credit limit!

Re: AMEX is watching me!

Braydon — Wed, 26 Dec 2012 02:06:32 GMT

I just pulled my EQ report and I'm not showing a hard or soft pull from AMEX ever.

My AMEX cards are listed under my accounts but thats it! I have 3 HP from my kids school and a ton of SP but no AMEX pulls ..Is that normal?

Re: AMEX is watching me!

kevinjjc — Wed, 26 Dec 2012 02:30:20 GMT

Braydon wrote:
I just pulled my EQ report and I'm not showing a hard or soft pull from AMEX ever.
My AMEX cards are listed under my accounts but thats it! I have 3 HP from my kids school and a ton of SP but no AMEX pulls ..Is that normal?

You should look at your EX report. AmEx primarily pulls EX. They will also pull others if you're borderline.