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I applied for the Amex Gold Card
Denied online...called for manual review...denied by letter. (reason: delinquent (repo, garn, student loan, fc) i have none of these...i was 5 pmts late on mtg- 2011 due to loan mod...all other bills pd as agreed...29% util
Submitted recon...."In progress" 12-26-12...submitted goodwill ltr to Wells Hm Mtg for removal...EQ is showing pd as agreed today
Hopeful
checked Fico EQ tonite 736
@webhopper wrote:
Why did you app on the 31st? That will cost you a year of backdating. Not sure if you care though....
@flowfaster wrote:
@webhopper wrote:
Why did you app on the 31st? That will cost you a year of backdating. Not sure if you care though....
The business card does not report to personal credit report and also does not backdate to the member since date of consumer cards... So I locked in my 2012 member since date for the business credit report, and will be able to be backdated to 2012 on the new PRG
@SwampSystems wrote:
@SnackTrader wrote:
@SwampSystems wrote:
@bs6054 wrote:Why BCE? Don't understand the love for this particular card!
For me, it was just to finally have an Amex card (and thus have one card on each major network). If you don't travel (and don't care for MR points), the BCE makes the best sense as a no-AF, cash-earning Amex product. The glamor has definitely worn off though -- with the exception of Small Business Saturday, I haven't used mine since cashing out the sign-up bonus.
BCP has nothing to do with being a travel card. It's rewards come from grocery stores, department stores, and gas. 3 things you would spend money in even if you never left your own town (assuming you owned a car).
BCP makes fiscal sense for 80% of the population as far as I can tell. The other 20% eats out all the time or doesn't own a car or have other cards that fit those categories.
Right, which is why I said the Blue Cash series makes more sense than any of the Amex travel cards.
Sorry - the Scorpion Bowls and Champagne blurred my forum vision. I misread what you had posted, but now see that we were saying the same thing. I sincerely apologize.
@webhopper wrote:
@flowfaster wrote:
@webhopper wrote:
Why did you app on the 31st? That will cost you a year of backdating. Not sure if you care though....
The business card does not report to personal credit report and also does not backdate to the member since date of consumer cards... So I locked in my 2012 member since date for the business credit report, and will be able to be backdated to 2012 on the new PRG
Ok gotcha. That is pretty smart actually. I did not know that.
@webhopper wrote:
Very nice! I chickened out and decided to wait for my history with Amex to age for another few weeks before applying later this month; hopefully it'll be a hit.
I applied for American Express Lowe's Business Card and got approved for $9800. First I got denied because I reached the max amount of Amex Cards.
@Ron1 wrote:I applied for American Express Lowe's Business Card and got approved for $9800. First I got denied because I reached the max amount of Amex Cards.
ron how many is too many then?
did you just close a card or did they make an exception?
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |