Credit Cards

[669]

Afbar

Let us know how you come out!

[669]

dnice

you are so true about that

[afbar1114]

Wow no one is even going to stop me haha

[669]

Afbar

"if you sceered say you sceered"

LOL

[android01]

Afbar, If you are determined to do it, no one can stop you.  However, I doubt you'll be approved with your current scores and history. 

[MsLadyRover]

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afbar1114 wrote:
Wow no one is even going to stop me haha

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I was going to say something but realized it's only a SP if you don't get approved.  And if you do get approved, then hey...Congrats! LOL!

[afbar1114]

I know i just wanted to see if anyone was paying attention to appbar jr. Lol. But it will only be a sp if i dont get it and i do have almost five months of history with them

[Creditspa]

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669 wrote:

I applied on 4/18/12 for the AMX BCP and got my welcome package and fortunately or unfortunately I got my EX Fico score........809.

Thats a good score but means that I did not get the best APR.

I dont plan on carrying a balance, it would have been nice to get the best APR for the feel good factor.

Still pleased though.

Off to update my siggy!!!!

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Let's make sure I  understand this. Whenever you app with Amex and gets approved, they will provide an EX score. If/When they provide a score, this means that a person did not qualify for their best rates? So when no score is provided at approval means you qualify for the top iered rate? Am I understanding this correctly? 

[Revelate]

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afbar1114 wrote:
I know i just wanted to see if anyone was paying attention to appbar jr. Lol. But it will only be a sp if i dont get it and i do have almost five months of history with them

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You routinely ignore advice some folks post here, why should now be any different?

To the OP: I have to laugh at a 800+ FICO not receiving the best terms on any credit card let alone an Amex.  Congratulations regardless, it is a sweet card!

[Revelate]

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Creditspa wrote:

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669 wrote:

I applied on 4/18/12 for the AMX BCP and got my welcome package and fortunately or unfortunately I got my EX Fico score........809.

Thats a good score but means that I did not get the best APR.

I dont plan on carrying a balance, it would have been nice to get the best APR for the feel good factor.

Still pleased though.

Off to update my siggy!!!!

---

Let's make sure I  understand this. Whenever you app with Amex and gets approved, they will provide an EX score. If/When they provide a score, this means that a person did not qualify for their best rates? So when no score is provided at approval means you qualify for the top iered rate? Am I understanding this correctly? 

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That's correct; if you get the best terms available for a given credit product, there's no legal mandate that they provide you a score and the somewhat useful reason list. 

By law, if they don't give you the best terms, then they have to provide you the full monty.