@Anonymous wrote:
I understand but respectfully disagree. It's obvious that a change occurred due to my history with them, however short. Maybe his argument has some merit with the fact that I'm not a longtime customer, and that a CSRs wording was wrong, but that's just splitting hairs without looking at the big picture. I hope I'm not sounding grouchy, but I was just trying to help op
I understand you were trying to help, but in fact you made a stronger statement:
Moral of the story is: YES, AmEx does use relationship as a determining factor.
and this is the sort of thing that people then repeat outside of the context. I don't think you have the evidence to support this. I would agree that having a card, as with any issuer, will appear to make things easier with subsequent requests, but this is at least partly because you HAVE been approved, so your credit file is of the right type for that issuer anyway.
But I think the question concerns longer-term relationships: many of us have had an Amex relationship of many years (not just including backdates!) and that is when a relationship might be clearer. IMO there really isn't much (just the usual relectance of any company to lose a customer) but it is hard for any individual to judge.
@taxi818 wrote:
@Anonymous wrote:
It just shows a trend of easier approvals and higher CLs@jjneis. trust longtime lurker. first he is in the 850 club in scores. and 2nd. he is one of those 100k a month spenders. so he knows what he means with relationship with amex.
Sadly no longer! When my 6th card with a balance reported, my TU score dropped to 847.
(And for the record, never spend more than $50K a month, wasn't brave enough)
