Credit Card Center Advertiser Disclosure†
02-06-2008 01:22 PM
02-06-2008 03:26 PM
02-06-2008 03:31 PM
Creditaddict wrote:if you already have an amex card and you apply for another... I believe they just do soft pull...
02-06-2008 03:36 PM
Creditaddict wrote:normally I would say yes... hard pull is going to happen... but someone that is pre-approved apply and then pull credit report and see if amex does hard pull... they rarely do.
02-06-2008 03:45 PM
That is 100% correct MOD, sad thing is that DW has green card. She logs on to her account and does see preapprovals for other accounts there. But it's for the gold card rewards along with 125af, and for the platinum card with 450af. That sucks bigtime...
Didn't I see something about, if you're already a member, a genuinely pre-approved card will appear at the top of some sort of list on your account page? Seems like I just read this yesterday.
Since AmEx won't let me in at the moment, and I'm still crouched outside their kitchen door, hoping that they will offer me some scraps, I don't know what members' account pages look like. Yet.
edit: cna't speel
Message Edited by haulingthescoreup on 02-05-2008 03:54 AM
02-06-2008 03:50 PM
02-06-2008 04:45 PM
I am not sure about other cards. But for Amex AF I think it is only a perception that membership fee is high. I dont feel that way. Even when we join Sams Club Plus program they charge $80-100 for the AF. Comparing to that I think Amex Gold AF of $125 is not that bad. Sams is only member ship fee, credit is seperate. Here we are getting Credit and Services along with free perks having amex though there is AF. I did not mind paying $450 AF for my platinum card. I am sure it is worth it by the end of the year.
For those that travel and do business entertaining, and I'm sure some other things that haven't dawned on me yet, I think they're probably great.
I don't know what they'd do for me in my present lifestyle --get me an extra hashbrown in my Mickey D's drive-through breakfast, maybe. If and when I create a major scene at work, and find myself being escorted from the premises by security, I might become a traveling consultant. If so, you can bet I'll be grabbing for those shiny babies!
02-07-2008 10:46 AM
I checked and for me the AF is not worth it. If I flew American instead of United, I would consider the platinum just for the airport lounge!
concorduser wrote:I am not sure about other cards. But for Amex AF I think it is only a perception that membership fee is high. I dont feel that way. Even when we join Sams Club Plus program they charge $80-100 for the AF. Comparing to that I think Amex Gold AF of $125 is not that bad. Sams is only member ship fee, credit is seperate. Here we are getting Credit and Services along with free perks having amex though there is AF. I did not mind paying $450 AF for my platinum card. I am sure it is worth it by the end of the year.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.