Universal Amex questions

[Creditaddict]

Does it ever give instant decisions or does it take a few days? do they e-mail with approval or decline? Can you BT to the card with the promo 6 month 2.9% or is it just a purchase card?

[Red1Blue]

I am not sure if they give instant decision or now. I applied for it couple of days and I got the processing message. I called them next day and they processed it and said I am approved for $1k CL. I asked if the CL can be increased. CSR said once I receive the card call them and see if they would increase the CL. I know GEMB gives CLI's every 4 months. I probably go in that direction. As per the 0% apr and other details, I am not sure. I am going to wait till I recieve the card and then ask them the questions. CSR tried to explain, I did not pay much attention.

[laz98]

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@Red1Blue wrote:

I am not sure if they give instant decision or now. I applied for it couple of days and I got the processing message. I called them next day and they processed it and said I am approved for $1k CL. I asked if the CL can be increased. CSR said once I receive the card call them and see if they would increase the CL. I know GEMB gives CLI's every 4 months. I probably go in that direction. As per the 0% apr and other details, I am not sure. I am going to wait till I recieve the card and then ask them the questions. CSR tried to explain, I did not pay much attention.

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if you ask for them???  i've never gotten any auto-CLIs from them.

[Creditaddict]

yes you usually have to ask GEMB but it's a soft so why not ask. 4 months like clock work