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So the CSR LIED!!!!!

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icyhot
Valued Contributor

So the CSR LIED!!!!!

They told me I was only approved for the lower tiered blue Delta Amex. Got it in the mail, lo and behold, it's the GOLD! I'm way happier now that I have a more valuable card but is this what I have to forward to from Amex? Wrong information? :-/
Ch 7 BK discharged 12/2018
Bank Cards: NFCU Flagship Rewards $25K | NFCU Cash Rewards $20K |NFCU More Rewards Amex $17K | PenFed Power Cash $12.5K | PenFed Platinum Rewards $12.5K | PenFed Pathfinder Rewards $10K | PenFed Gold Card $7.5K | PayPal Cashback Mastercard $5K | Apple Card $3.5K
Store Cards: Bergdorf Goodman $10.5K | Neiman Marcus $7.5K | Care Credit $7K |
Scores: EX 656 | EQ 667 | TU 680


Goal Card: Amex Platinum (Amex IIB, waiting for 5 year mark)
Message 1 of 13
12 REPLIES 12
taxi818
Super Contributor

Re: So the CSR LIED!!!!!


@icyhot wrote:
They told me I was only approved for the lower tiered blue Delta Amex. Got it in the mail, lo and behold, it's the GOLD! I'm way happier now that I have a more valuable card but is this what I have to forward to from Amex? Wrong information? :-/

Congrats. Maybe you should call yo ask what your AF is. If $95. It's the gold. Waived first year of course. 

Message 2 of 13
icyhot
Valued Contributor

Re: So the CSR LIED!!!!!

Thanks. It is the Gold. Its just annoying that the CSR just blatantly gave me incorrect info. I was worrying for nothing
Ch 7 BK discharged 12/2018
Bank Cards: NFCU Flagship Rewards $25K | NFCU Cash Rewards $20K |NFCU More Rewards Amex $17K | PenFed Power Cash $12.5K | PenFed Platinum Rewards $12.5K | PenFed Pathfinder Rewards $10K | PenFed Gold Card $7.5K | PayPal Cashback Mastercard $5K | Apple Card $3.5K
Store Cards: Bergdorf Goodman $10.5K | Neiman Marcus $7.5K | Care Credit $7K |
Scores: EX 656 | EQ 667 | TU 680


Goal Card: Amex Platinum (Amex IIB, waiting for 5 year mark)
Message 3 of 13
B335is
Moderator Emeritus

Re: So the CSR LIED!!!!!

Amex CSRs don't always seem to be the most knowledgeable. Requesting a reallocation of limits between cards is something they are never trained on whatsoever. But with your experience that should be a no brainier. I'm glad you got the card you applied for.
Message 4 of 13
joedtx
Valued Contributor

Re: So the CSR LIED!!!!!

Congrats on the Gold card either way Smiley Happy

Message 5 of 13
Anonymous
Not applicable

Re: So the CSR LIED!!!!!

amex reps, so pleasant to chat, as useful as a sack of poo. Smiley LOL

Message 6 of 13
chalupaman
Super Contributor

Re: So the CSR LIED!!!!!

Are you talking about that Delta Options card? Were you trying to downgrade from an existing Amex problem? I don't see what's going on here. AFAIK, there's no application on the website to app for it. You can either get Gold or Platinium on the website.

 

There is no Blue Delta Amex in terms of name. 

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 7 of 13
icyhot
Valued Contributor

Re: So the CSR LIED!!!!!

It's not on the Amex website, it's on Delta's.
Ch 7 BK discharged 12/2018
Bank Cards: NFCU Flagship Rewards $25K | NFCU Cash Rewards $20K |NFCU More Rewards Amex $17K | PenFed Power Cash $12.5K | PenFed Platinum Rewards $12.5K | PenFed Pathfinder Rewards $10K | PenFed Gold Card $7.5K | PayPal Cashback Mastercard $5K | Apple Card $3.5K
Store Cards: Bergdorf Goodman $10.5K | Neiman Marcus $7.5K | Care Credit $7K |
Scores: EX 656 | EQ 667 | TU 680


Goal Card: Amex Platinum (Amex IIB, waiting for 5 year mark)
Message 8 of 13
chalupaman
Super Contributor

Re: So the CSR LIED!!!!!


@icyhot wrote:
It's not on the Amex website, it's on Delta's.

Okay I see what you're talking about now.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 9 of 13
EW800
Valued Contributor

Re: So the CSR LIED!!!!!

Congratulations!   Smiley Happy

 

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
April 2024: EX8: 839; EQ8: 845; TU8: 842 -- Middle Mortgage Score: 822
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Dell $5K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .
Message 10 of 13
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