It was about two years ago when I got my preapproval letter from them. I pulled the trigger and got approved. At the time it was a pretty good CL for me. I have never actually gotten an auto CLI from them, even though every time I ask for an increase they give it to me. It isn't really anything special, but mine was for the Amex. This felt kinda special and I think that is why I apped for it. It was my first Amex, but now I have two real Amex's. Some times they have some special promotions for balance transfers. I used on for my nieces bill to me and transferred her balance from my CapOne card to them to save her some money on the interest. I would have used one of the newer cards that I have for no interest during the intro, but her balance to me is greater than I would like so I didn't want to have too hard a hit on the util. Currently it is about 50% of that cards limit, so I don't like it that much, but next time I do get a CLI it should be below 30% or near abouts.
I personally think they are a good bank, but the rewards could be better to entice me to actually use the card. Although that still might be difficult with the range of cards I have!
It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
