Re: Invitation to Amex FR?

armbenderc · ‎05-10-2013

I'm happy that I got it offered by Amex. Specially only being with them since oct '12

It seems that they love multiple payment of pif before statement cut.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%

n777ua · ‎05-10-2013

There was an offer a while ago where every charge over $100 would be transferred to pay over time, and if you enrolled in the auto transfer you got 10k MR points. I enrolled, then canceled out the next statement.

About $215,000 total credit among 11 cards

webhopper · ‎05-10-2013

The offer to pay over time is based on credit worthiness. I got the offer when I first got my PRG in January. DH was approved for PRG a few days ago and was not offered the option to pay over time. Besides... with the new legislation about HHI being counted... my income is now 60k more than when I applied so bring on the FR! When I got zync I was not offered Pay over Time. My POT APR is 18%. My amex lowes APR is 15.24% All of my amex travel booked travel is automatically classified as pay over time charges; along with larger charges like my IRS payment... However; I am not inclined to poke the Amex bear by using my charge card as a revolver... I still PIF

FICO 9:
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.

Goal: Gardening!

armbenderc · ‎05-10-2013

Wow if we start using HHI, we are going to see much more five digits CL.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%

Invitation to Amex FR?

Get your FICO® Score for free