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Invitation to Amex FR?

Valued Contributor

Re: Invitation to Amex FR?

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%
Message 11 of 14
Established Contributor

Re: Invitation to Amex FR?

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
Message 12 of 14
Moderator Emeritus

Re: Invitation to Amex FR?

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

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 13 of 14
Valued Contributor

Re: Invitation to Amex FR?

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%
Message 14 of 14