08-10-2012 09:24 PM
Thinking about applying for the fidelity amex since I have a fidelity acct & 2% cash back on everything sounds pretty sweet. What type of benefits does the card come with? There's not a lot of info on the fedilty website. Extended warranty? Purchase protection? Trip delay? Etc. Rewards aren't everything. How is FIA w/ disputes? My mother has a Macy's Amex & DSNB is beyond horrid when it comes to disputes- you can't dispute charges online, you have to call them & then fax over a form & copies of id & in the end they don't reverse the charges anyway. Just wondering if the Fidelity Amex makes you go thru the same hassle. I never had a cc issued by FIA so just wondering what their cust service is like.
Also, are they generous with CL & what type of scores do they look for? Which report do they usually pull? Is it better to apply in person at a Fidelity branch?
08-10-2012 11:40 PM
I read somewhere that they have 5.99% fixed for life, is that true?
never heard of that. Where did you see it?
08-11-2012 09:23 AM
I was interested in this this card as well however, after reading the comments by card holders it looks like a real mixed bag.
There doesn't seem to be anyone who isn't pleased with the rewards program but, the fraud department (FIA or something?) sounds like a nightmare. Also, it doesn't appear the card integration with the Fidelity account is satisfactory either. A less common but loud complaint is the foreign transaction fees (3%?).
Im going to pass for now based on the FIA fraud-department factor even though the 2% cash going towards my Roth is awful tempting.
08-12-2012 07:18 AM
$100,000 travel accident insurance
AMEX extended warranty by 1 year
Purchase protection for 90 days
FIA fraud protection
08-17-2012 06:46 PM
I know that FIA manages this card, and that FIA is owned by BofA, but would does anyone know if I could PC my current BofA BankAmericard MC to the Fidelity Amex? Or would that be many degress of change (MC -> Amex plus BofA -> FIA)?
10-24-2012 05:48 PM
I applied today. After getting a call from Fidelity's fraud department a few hours later, I was approved.
They pulled Experian but I was told it varies depending on the credit analyst.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO