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Super Contributor
Posts: 6,026
Registered: ‎09-18-2007
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Did any one get GEMB / Universal American Express Card?

Did any one get GEMB / Universal American Express Card?
Valued Contributor
Posts: 2,205
Registered: ‎12-06-2007
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Re: Did any one get GEMB / Universal American Express Card?

Yes, and I regret it!

 

1k CL and APR is  22.49%

 

Granted, my EQ has short history when I applied, but it was free of any derogs and over 700 FICO. Not sure what tier they put me in, but I know I will never revolve a balance on this card, that is certain.

Super Contributor
Posts: 6,026
Registered: ‎09-18-2007
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Re: Did any one get GEMB / Universal American Express Card?

I always do PIF and will never pay even a penny in interest to any company. When you applied did you get instant approval? I applied for it last night and I got message they will get back. I am not sure if that is a decline.
Valued Contributor
Posts: 2,205
Registered: ‎12-06-2007
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Re: Did any one get GEMB / Universal American Express Card?

[ Edited ]

I don't usually revolve one either and this one certainly will make me think long and hard before I do!

 

No, it was not instant. They called within a couple of days to ask verfication questions.

 

ETA credit dept # 866-913-3241

Message Edited by stef37 on 11-14-2008 09:47 AM
Super Contributor
Posts: 6,026
Registered: ‎09-18-2007
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Re: Did any one get GEMB / Universal American Express Card?


stef37 wrote:

I don't usually revolve one either and this one certainly will make me think long and hard before I do!

 

No, it was not instant. They called within a couple of days to ask verfication questions.


 

Thanks Stef....

Regular Contributor
Posts: 163
Registered: ‎08-15-2008
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Re: Did any one get GEMB / Universal American Express Card?

Good luck!  I was thinking about this one... 

 

then foolishly went for the Dillards AMEX....  I would have rather had a denial than a $200 CL store card...  730 EQ FICO, Perfect and Clean, 1% Util, current lines to 10K...  (plus they pulled EQ twice!!!)  Oops!

11/6/09 TU 724 / EX 739 (FICO from CU) / EQ 701
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Super Contributor
Posts: 6,026
Registered: ‎09-18-2007
0

Re: Did any one get GEMB / Universal American Express Card?


spiritcraft1 wrote:

Good luck!  I was thinking about this one... 

 

then foolishly went for the Dillards AMEX....  I would have rather had a denial than a $200 CL store card...  730 EQ FICO, Perfect and Clean, 1% Util, current lines to 10K...  (plus they pulled EQ twice!!!)  Oops!


 

Last year I applied for Dillards hoping to get their Amex. Instead I got their store card with $200 CL and after 8 months they upgraded to $300 CL. I said enough and closed the account. I would not apply for it again in hopes I might get Dillards Amex.
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