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Contributor
severine
Posts: 122
Registered: ‎08-19-2012
0

Re: Say goodbye to Optima and Cap One?

Thanks for all your advice! Tomorrow I will be calling the Amex oasis phone # and asking them to close me out. I'll also pay off the CapONe and be done with monkey business forever!

Amex PR Gold NPSL | Amex BCP 16.5k| Amex Delta Gold Skymiles 14.9k | Amex BSP 5k | Discover 12.5k | Citi Diamond Preferred 11.9k | Chase Freedom 12k | Chase Sapphire Preferred 12k | US Bank Cash + Visa 13k | BankAmericard Cash Rewards Signature Visa 9.5k | M and T Bank Visa 10.9k | FICO TU 784 EQ 768 EX 784
Frequent Contributor
iMacDrew
Posts: 350
Registered: ‎07-13-2012
0

Re: Say goodbye to Optima and Cap One?

sounds good, you should look into another amex down the road.

Lender pulled 10-10-13
EQ Fico 715 | EX Fico 714 | TU Fico 703
Contributor
severine
Posts: 122
Registered: ‎08-19-2012
0

Re: Say goodbye to Optima and Cap One?

Well, one step forward and two steps back, y'all! I called to cancel the Optima card, which was done very graciously. I explained my situation to the rep who then told me to go ahead and apply for the Delta card...I KNEW that I should wait 24-48 hours, but instead was impetuous and was subsequently declined because I "currently hold an active recovery card with Amex". GRR! Totally my own fault, I should've waited. So I called the recon number and they told me to call back once CS had definitely cleared the Optima card from my record. I'll call back later this week and provide an update. You know that feeling when you do something stupid that you know you shouldn't do and should instead trust your own knowledge? Yeah--THAT.

Amex PR Gold NPSL | Amex BCP 16.5k| Amex Delta Gold Skymiles 14.9k | Amex BSP 5k | Discover 12.5k | Citi Diamond Preferred 11.9k | Chase Freedom 12k | Chase Sapphire Preferred 12k | US Bank Cash + Visa 13k | BankAmericard Cash Rewards Signature Visa 9.5k | M and T Bank Visa 10.9k | FICO TU 784 EQ 768 EX 784
Valued Contributor
Crashem
Posts: 3,098
Registered: ‎01-26-2012
0

Re: Say goodbye to Optima and Cap One?

Well I don't think you took hard pull for that app. Looks like you need to cancel and apply.  Obviously safest route is to go for zync.  But your scores look good enough for revolver.  Personally I wouldn't mind a couple of extra Amex cl even if I cancel soon enough.  Backdating is great.

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Contributor
severine
Posts: 122
Registered: ‎08-19-2012
0

UPDATE: Re: Say goodbye to Optima and Cap One?

Well, I canceled my Optima card on Monday and then applied for the Delta Skymiles card. I was told to call back Thursday a.m. to check the result of my review request. The guy (who I have to say had the most fascinating vernacular use of English I've ever heard---not hating on him, I'm just really fascinated by the very specific linguistic training that the CS reps receive. i I'm a linguist by training, sorry for the digression) told me that the review would now probably take 4-5 more days. UGH! Does this seem right? Do you think I should call the Exec number or just cool my jets until I hear something?

Amex PR Gold NPSL | Amex BCP 16.5k| Amex Delta Gold Skymiles 14.9k | Amex BSP 5k | Discover 12.5k | Citi Diamond Preferred 11.9k | Chase Freedom 12k | Chase Sapphire Preferred 12k | US Bank Cash + Visa 13k | BankAmericard Cash Rewards Signature Visa 9.5k | M and T Bank Visa 10.9k | FICO TU 784 EQ 768 EX 784
Valued Contributor
Crashem
Posts: 3,098
Registered: ‎01-26-2012
0

Re: UPDATE: Re: Say goodbye to Optima and Cap One?

Check status online

 

https://www262.americanexpress.com/eaol/welcome.do

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Regular Contributor
HenryJumbo
Posts: 136
Registered: ‎07-21-2012
0

Re: UPDATE: Re: Say goodbye to Optima and Cap One?

Congrats keep up the good work.

Starting Score: EX: 736 FAKO | TU: 757 FICO | EQ 730 FICO
Current Score: EX: 736 FAKO | TU: 750 FICO | EQ 730 FICO
Goal Score:     EX: 750 FICO | TU: 750 FICO | EQ: 750 FICO
In my wallet:  $12,500  $8,000
Contributor
severine
Posts: 122
Registered: ‎08-19-2012
0

Re: UPDATE: Re: Say goodbye to Optima and Cap One?

Coming back with excellent news: I was approved for the Amex Delta Gold Skymiles card with an intial CL of $10,900!! I am so stoked! I had to wait a week and must admit to having pestered the recon people, but my persisetence paid off. Best news: they are backdating my account to 2006 bc that was the original date I received my Optima (oasis) card. So happy:smileyhappy:

Amex PR Gold NPSL | Amex BCP 16.5k| Amex Delta Gold Skymiles 14.9k | Amex BSP 5k | Discover 12.5k | Citi Diamond Preferred 11.9k | Chase Freedom 12k | Chase Sapphire Preferred 12k | US Bank Cash + Visa 13k | BankAmericard Cash Rewards Signature Visa 9.5k | M and T Bank Visa 10.9k | FICO TU 784 EQ 768 EX 784
Valued Contributor
Crashem
Posts: 3,098
Registered: ‎01-26-2012
0

Re: UPDATE: Re: Say goodbye to Optima and Cap One?

Congrats!!  Get that credit report spiffy for the 61 day cli.  What's you aaoa at?  Couple more Amex might help that.

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