Credit Cards

[Duncanrr]

Ive been thinking about adding my little sister to Zync card so she can use if an emergency comes up.  Also, Im now eligible for my 61st day CLI request but the last SP they did on me was Oct 18 (my score was lower then due to 90% UTIL reported on Cap1 card that has since been PIF).  If I add my sister to my Zync as AU (or whatever AMEX calls them) will it prompt them to do a SP review of account?  I would like them to do this so I can request my CLI.

Does anyone have any other suggestions for getting AMEX to update its SP of my CR?

Thanks,

Duncan

[Duncanrr]

FYI, the 61 day CLI is on my Delta Gold card no on my NPSL Zync.

[jsucool76]

I would think if anything they would SP your sister, not you, although I don't know if they're allowed to do that  

You could try using the amex pre-approval tool, although I'm not sure how that works for current cardholders. 

[Duncanrr]

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jsucool76 wrote:

I would think if anything they would SP your sister, not you, although I don't know if they're allowed to do that  

You could try using the amex pre-approval tool, although I'm not sure how that works for current cardholders. 

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Its buggy as hell.  Ever since I got my AMEX again it really doesnt work.  It just keeps asking me to login to see offers.

[Revelate]

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Duncanrr wrote:

Ive been thinking about adding my little sister to Zync card so she can use if an emergency comes up.  Also, Im now eligible for my 61st day CLI request but the last SP they did on me was Oct 18 (my score was lower then due to 90% UTIL reported on Cap1 card that has since been PIF).  If I add my sister to my Zync as AU (or whatever AMEX calls them) will it prompt them to do a SP review of account?  I would like them to do this so I can request my CLI.

Does anyone have any other suggestions for getting AMEX to update its SP of my CR?

Thanks,

Duncan

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No it wouldn't to my knowledge.  Amex updates their SP's roughly every two months (sometimes every one month for new customers as I have heard) and they do it on their own timeframe.  Presumably you'll get a fresh SP roughly the same time as your 61st day under either scenario.

[Duncanrr]

Guess I'll have to wait. The Oct 18 report is 30 pts lower than my current FICO scores.

[Duncanrr]

update. It's been a month since last SP by Amex and still not updated. I don't want to waste 61 day CLI request until this is updated. Not sure how I can prompt them to SP me. Would using the check my spending ability do it? (edit-when I called in Amex to see if I could run the cabinets on my card on 10-18 it was also the last time I was SP. Surely that couldn't had been random?)

[Sparkz1920]

Not sure whose bugs are worse....Citi or Amex

It tells me the same thing when I try to see about pre approvals

[Duncanrr]

would it work just to call them and ask that they update my CR? Also, I have $400/2000 on card right now (next statement cuts Dec 14). Should I have that as zero balance when I app?