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@Anonymous wrote:Now, isn't this interesting?Look at the first two reasons in Uncle_Money's decline letter:What's the difference between those two reasons? This just gets weirder and weirder.
@Anonymous wrote:
@Anonymous wrote:Now, isn't this interesting?Look at the first two reasons in Uncle_Money's decline letter:What's the difference between those two reasons? This just gets weirder and weirder.
OOOOHHH!!!
OK, this is getting very... weird, indeed. Maybe they just mean that they look at hard pulls but won't blame you if you've had a credit check from, say, the local energy company or mobile phone company harding you unnecessarily, as they're 'kind of' applications for credit, but also kind of... not?!
thrasher865 wrote:Well the first two are exactly the same thing, but so are the last two. I think their automated system is just dumb.
MidnightVoice wrote:
thrasher865 wrote:
Well the first two are exactly the same thing, but so are the last two. I think their automated system is just dumb.
I noticed that as well. Looks more like reptition than illegality to me.And don't forget, they see 2 years worth of hard pulls, even if they are no longer altering your score after one year
jaybird201 wrote:
Hey all, I'd just like to chime in and back up Watchmann. Although I haven't had to undergo a FR and haven't had many major problems with AmEx as of yet, people need to stop being such babies about this. You can't get a CLI on your credit card. Odds are you didn't even need one in the first place and it's only to get a lower util. Besides, even with the occassional odd event, I'd take AmEx over any other credit card company any day (Except Discover. They're both equally great in my book, though for different reasons).The punchline is, stop complaining. It's unsecured credit and for every $1,000 in a CLI they offer you, that's another $1,000 they might potentially have to charge off. And granted you may not have deserved to be declined, but like Watchmann said, it's a two-way street. Suck it up and deal with it. They're a great company and I'm happy with their products and services way more often than I'm dissatisfied. Okay people? GET OVER IT!
@thrasher865 wrote:Well the first two are exactly the same thing, but so are the last two. I think their automated system is just dumb.