Credit Cards

[bichonmom]

Don't blame you. With your history, getting denied just doesn't make any sense.

[CreditCrusader]

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jjsten wrote:

Totally disagree.  Don't people understand that calling the "executive offices" aren't really the "executive offices".  It's a call center that handles complaints and concerns from customers or potential customers.  It's name that makes it sound "official", but won't get you anywhere.  You if you don't have the credit criteria or qualification, do you really think an "executive" at a multi-billion dollar company needs to take a small risk with you?  NO.

Just a little reality for the forum.

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Serious question here...are you TRYING to get booted from this forum? I sure hope not...because it is literally filled with useful information, but you seem intent upon contributing nothing but negative opinions. You would do well to rethink your posting strategy before a moderator makes the decision for you.

[LS2982]

@CreditCrusader +1 Its getting to be very annoying.

[jjsten]

I can state the facts and my opinions as well.  I've been contacted by a couple mods on this board and told not to call out any person or group.  I haven't done that and just stated my opinion.  

[ccnewb23]

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jjsten wrote:

Totally disagree.  Don't people understand that calling the "executive offices" aren't really the "executive offices".  It's a call center that handles complaints and concerns from customers or potential customers.  It's name that makes it sound "official", but won't get you anywhere.  You if you don't have the credit criteria or qualification, do you really think an "executive" at a multi-billion dollar company needs to take a small risk with you?  NO.

Just a little reality for the forum.

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Actually, I got denied and called the executive office and they were able to overturn the denial into an approval. I'm not sure about the "won't get you anywhere" part because it did for me.

[LS2982]

@jjsten Its definitely OK to state your opinion, but everyone's input here should be friendly and supportive. Even if you disagree, there are ways to word your disagreement that doesnt sound like your trying to be ignorant about it.

[jjsten]

I'm not being ignorant at all. Stating the facts, sir.  These so called "executive offices" are call centers to handle customer complaints and disputes.  That is a fact and I have firsthand knowledge, I work in one.

[adavis425]

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archieb wrote:

Perhaps they are not refering to revolving credit?  Is your auto loan pretty high util?  I know installment util doesn't affect FICO, but maybe in AMEX's internal model; anyways, sorry to hear that

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Hi archieb. The auto loan has not even hit the report yet, but you can see from the inqs that they are auto loan inqs. But there are only 3! WTH?!

[jjsten]

@ccnewb23 There are always exceptions to any rule.  Congrats

[CreditCrusader]

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jjsten wrote:

I can state the facts and my opinions as well.  I've been contacted by a couple mods on this board and told not to call out any person or group.  I haven't done that and just stated my opinion.  

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Giving your opinion is one thing...replying to others in a snotty tone and chastising people for supporting others is quite another. Your posts tend to sway heavily toward the latter.

Also, just some friendly advice from one who easily spots the difference:

Take caution that you don't conflate stating "facts" with your opinions. Your feelings on a topic do not necessarily represent "facts"...nor do mine or anyone else's. And the fact that you work in a call center doesn't mean a sweeping generalization is in order because different companies allow for different power to be used (case in point...Barclay). Also, to the best of my knowledge, there is no omniscient credit overlord who knows all. This is why you'll frequently see people predicate their posts with IMO or "Just my opinion".

We all direct comments of this sort to you because we want you to stay....remember that. Tone is important here and we don't wish to drive posters away when so much is to be gained by staying full in the knowledge that they will not get ripped for asking a question or reporting good news.