Reply
Contributor
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
Posts: 352
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
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
Posts: 3,096
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.

               LIMITS IN CARD DESCRIPTIONS
Contributor
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
Posts: 3,096
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

               LIMITS IN CARD DESCRIPTIONS
Regular Contributor
Posts: 144
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:  $16,000  $8,000
Contributor
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 happySmiley Happy

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
Posts: 3,096
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.

               LIMITS IN CARD DESCRIPTIONS
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.