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Regretting AMEX ...

Regular Contributor

Re: Regretting AMEX ...

Just SDd my AMEX Hilton. 4 x denied CLI from them. lol....

My TL : Venture 33k / BCE AMEX 33k / BoA123 Sig 24k / Discover 28.5k / Home Depot 16.5 K / CSP 16.5k / Barclays Arrival WEMC 15k / Citi World WEMC13.5k / CU Visa 11k/ Nordstrom Visa 15K / Freedom 10k / Citi AA 11.1k / Macy's Store 5.3K / Best buy 2.4K / BBRZ Gold 1.4K / Express 1.4K/
Message 21 of 26
Valued Contributor

Re: Regretting AMEX ...


cutemarty1 wrote:

Just SDd my AMEX Hilton. 4 x denied CLI from them. lol....


My DF JUST got her FIRST CLI from Amex since she opened the card in 08'.  From the initial CL of 1k to $3500.

 

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 22 of 26
Established Contributor

Re: Regretting AMEX ...

I don't care for my Gold card, but I like Amex.  Their purchase protection is second to none.  Customer service is good with their offshore reps and excellent with the US -based ones.

 

In their line of charge cards, the Gold and up offer some nice extras too:  Roadside assistance, the concert pre-sale tickets mentioned above, and more.  Problem is, I have roadside both through my vehicle and my insurance and I don't live in a city where Amex does pre-sale tickets.  The perks of the Gold just aren't worth it for me.  But I'm still keeping my membership with my revolvers.

 

Oddly enough, they won't CLI me, but they'll keep approving me for new cards.  Go figure.  Smiley Frustrated

Message 23 of 26
Moderator Emeritus

Re: Regretting AMEX ...

The amex zync is really fitting for a relatively small group of consumers. I use mine religiously, and PIF. Love the card. Its probably not the type of card for everyone, but it works for me. Best thing about this card is the low fee. I figured when I applied that $25 was a pretty small fee to get my foot in with Amex and to experiment with the card to see If I liked it. Bottom line is, you paid the fee to try it out, now that you know you don't like it, you should feel free to close it and apply for something different, or just rely on other cards.

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 24 of 26
Regular Contributor

Re: Regretting AMEX ...


webhopper wrote:
The amex zync is really fitting for a relatively small group of consumers. I use mine religiously, and PIF. Love the card. Its probably not the type of card for everyone, but it works for me. Best thing about this card is the low fee. I figured when I applied that $25 was a pretty small fee to get my foot in with Amex and to experiment with the card to see If I liked it. Bottom line is, you paid the fee to try it out, now that you know you don't like it, you should feel free to close it and apply for something different, or just rely on other cards.

Mine was a PRG downgraded to Zync before the annual fee hit.  Am thinking of closing my Zync.

My TL : Venture 33k / BCE AMEX 33k / BoA123 Sig 24k / Discover 28.5k / Home Depot 16.5 K / CSP 16.5k / Barclays Arrival WEMC 15k / Citi World WEMC13.5k / CU Visa 11k/ Nordstrom Visa 15K / Freedom 10k / Citi AA 11.1k / Macy's Store 5.3K / Best buy 2.4K / BBRZ Gold 1.4K / Express 1.4K/
Message 25 of 26
Regular Contributor

Re: Regretting AMEX ...


webhopper wrote:
The amex zync is really fitting for a relatively small group of consumers. I use mine religiously, and PIF. Love the card. Its probably not the type of card for everyone, but it works for me. Best thing about this card is the low fee. I figured when I applied that $25 was a pretty small fee to get my foot in with Amex and to experiment with the card to see If I liked it. Bottom line is, you paid the fee to try it out, now that you know you don't like it, you should feel free to close it and apply for something different, or just rely on other cards.

+1. I love my ZYNC. Since I shop in Whole Foods Market alot, I am racking up double point rather quickly with their Eco pack. Charge cards aren't for everyone (I mean, you have to think twice before charging something because everything is due monthly), but it works for some. The Zync was geared for a small population of us younger individuals who do not travel and want a low fee Amex card to get out foot in the door. I have the Zync for the past  three months now, and I have been running my daily expenses through it, and paying in full the next day my cycle closes. I figure this will get me in good favor with Amex. My main goal, however, is to get their BCP. I am aiming for that next September.

 

The design of the gold/prg is sweet though (at least for me).

Zync from American Express- NPSL
Amex BCE- $1,000
Discover IT- $1,500
Bank of America 1-2-3 Rewards-$1,000
Chase Freedom- $500
Capital One- $500
Message 26 of 26