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@Anonymous wrote:
Hmmm...the Amex CSR said I should get a nice increase after 60 days.
Did they specify how long after 60 days ? I'm still at $2,000 after 9 months.
I'd like to apply for this card..
Does anyone know whether I should do it in store or online? (i.e. is the approval process faster in store.??)
Thanks
Go to the store!
They almost always pull EX. Make sure your address is accurate or it may trigger a 7-10 delay.
Approved instantly! Thanks guys. A little disapointed with the CL ($2,000) but very happy overall.. FYI exactly a year ago I was denied.
What's the best practice with Amex? What utilization ratio would you recommend? My monthly expenses with the card (counting gas, costco and restaurants) should be close to $600 which seems rather high for a $2,000 limit.
$600 would be an utilization ratio of 30 percent. Is that acceptable?
What if right before my statement drops I make a $401 payment to keep the utilization ratio below 10 percent?
One other question..
I'm a new Amex user. This month I ended up using the Amex a lot due to Christmas and the fact that I'm in charge of food supplies with my company.
I have $270 of credit available for a $2,000 limit (i'm no longer using the card). Is it OK? I always pay my bill in full or close to before my statement drops.
I have scheduled two bill payments from my 2 checking account but it's going to take a couple days to process (Amex won't let me do it from their website since I've paid my previous statement balance already). Should I give amex a call to let them know that I'm gonna clear that high balance?
I've become a little paranoid with Amex after reading several comments on this forum. Thanks.
@Anonymous wrote:One other question..
I'm a new Amex user. This month I ended up using the Amex a lot due to Christmas and the fact that I'm in charge of food supplies with my company.
I have $270 of credit available for a $2,000 limit (i'm no longer using the card). Is it OK? I always pay my bill in full or close to before my statement drops.
I have scheduled two bill payments from my 2 checking account but it's going to take a couple days to process (Amex won't let me do it from their website since I've paid my previous statement balance already). Should I give amex a call to let them know that I'm gonna clear that high balance?
I've become a little paranoid with Amex after reading several comments on this forum. Thanks.
I would say it's not that big of a deal especially if the payments are on their way BUT you never know with Amex.
@this is directed @ Amex - God forbid your customers actually use your product.
No one else finds it unacceptable that Amex has their customers so scared stiff that they feel the need to call in just to let them know the payment is processing?
This is not a company - it's more like a loan shark.
AMEX is no joke, once with them, they will watch you monthly.
Also when they put you on hold with music, they record every word you say, so don't say anything you do not what them to here, because that is why they do it in the first place.
@-RED wrote:AMEX is no joke, once with them, they will watch you monthly.
Also when they put you on hold with music, they record every word you say, so don't say anything you do not what them to here, because that is why they do it in the first place.
Could you please share with us how you know this?