Reply
Valued Contributor
sccredit
Posts: 1,119
Registered: ‎09-14-2012
0

Re: costco amex DENIED!


chnceit wrote:

sccredit wrote:

chnceit wrote:

People who hate AMEX is the people who just cant acquire them period. 

 


This is an ignorant statement.  There are many people who have had/have an AMEX card and dislike them.  I have acquired (and fired) them multiple times.  I still get offers from them weekly.  I would definitely not call their cusotmer service top notch, either for business or personal.  I have had better CS from Discover and Chase, hell even Citi was better.

 

Everyone has a YMMV with AMEX but to flat out claim that everyone who hates them can't get them is just irresponsible. 


You must be joking right CITI? Really! :smileylol:

 

And I do agree that all lenders are YMMV


There was no joke there, in my experience Citi's customer service has been FAR superior to AMEX. 

Never take credit personally

Amex BCP $24,900; Chase Sapphire Preferred $24,200; Discover It $12,500; Chase Ink Cash $15,000; Chase Slate $13,500; Citi TYP $12,900; Amex SPG Biz $3,000; DCU Visa $10,000; Logix FCU $15,000; Citi Home Depot $8,800; Lowes $8,000; Care Credit $6,000; Penfed Platinum Sig $16,000; Barclay Arrival Plus WEMC $15,000; US Bank PLOC Overdraft $1,500; US Bank Perks+ Visa Signature $8,600; US Bank Edge Rewards Business $10,000; PenFed PLOC $5,000

Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008
0

Re: costco amex DENIED!


sccredit wrote:

chnceit wrote:

sccredit wrote:

chnceit wrote:

People who hate AMEX is the people who just cant acquire them period. 

 


This is an ignorant statement.  There are many people who have had/have an AMEX card and dislike them.  I have acquired (and fired) them multiple times.  I still get offers from them weekly.  I would definitely not call their cusotmer service top notch, either for business or personal.  I have had better CS from Discover and Chase, hell even Citi was better.

 

Everyone has a YMMV with AMEX but to flat out claim that everyone who hates them can't get them is just irresponsible. 


You must be joking right CITI? Really! :smileylol:

 

And I do agree that all lenders are YMMV


There was no joke there, in my experience Citi's customer service has been FAR superior to AMEX. 


Thats awesome! In my experience AMEX has been better so it all boils down to experience and personal view


$100K in Credit
Last Credit Card App: 11/16/13
Regular Contributor
icetrap06
Posts: 162
Registered: ‎12-27-2012
0

Re: costco amex DENIED!

Brick like lamp :smileyhappy: ...sorry couldnt help myself.  

 

As previous have stated I think it is a YMMV situation, and I think it's what the user emphasizes as important when it comes to Customer Service (e.g. tone of reps, CS perks such as concierge, etc...).  I haven't really had any CS issues with any of the stated providers at this point (doesn't mean a bad experience won't change this opinion in the future).

CMCU Platinum (12k) | Discover IT (7k) | AMEX Green Card (NPSL) | CSP (5k) | Marriott Rewards Premier (5k) | Citi Hilton Reserve(5k) |Citi HHonors Gold (4k) | AMEX SPG (1k)
----------------------------------------------------------------------------------------------
Scores: EQ - 670 (outdated) | TU- 742 | EX - 691
Contributor
nickn86
Posts: 130
Registered: ‎11-26-2012
0

Re: costco amex DENIED!

Amex seems to have different CSRs for each card, so I think that's why there's such a wide variation in people's dealings with their customer service.  Their higher-end cards are all U.S.-based while their mid-range and entry-level cards seem to be outsourced.  I've never focused so much on customer service for picking a card because I almost never have to call any cc companies.  But I could see it being important in the event of fraud, etc...

 

I have heard that Amex is very annoying when it comes to their business cards and financial review.  If I ever get a biz card I would just go for the Ink because the rewards are better and there isn't the same intrusiveness of FR.

Chase Sapphire Preferred - 5.6k (3/13) | Amex Premier Rewards Gold - NPSL (1/13) | Chase United MileagePlus Explorer Visa Signature - 9k (1/13) | Amex Delta Gold - 6k (9/12) | Citi Forward Visa - 10k (10/12) | Discover It - 2k (2/12) | Chase +1 Visa - $300 (2/11)
Valued Contributor
navigatethis12
Posts: 1,954
Registered: ‎01-24-2012
0

Re: costco amex DENIED!


chnceit wrote:


I dont know about Barclays they are notorious for AA even applying for new credit they will close your account. 

 

FIA is owned by Bank of America so their practices and CSR are very similar. 

 

Everyone has their own personal view and I also see your point. Like most members state move on to bigger and better things if you dont like a company


I have not heard on squaking from Barclays. Two analysts mentioned new accounts but the accounts remains open, even with it's low limit :smileysad:.

 

While FIA is owned by Bank of America, the customer service people are like day and night. I am not sure why, but FIA is so nice and friendly, and Bank of America is so not.

 

I have moved on from American Express. As I said I only use the card to get 5% and that is it. I will never seek a limit increase on either card and see no reason to use their cards for anything else.

Frequent Contributor
astritaho1979
Posts: 451
Registered: ‎10-02-2011
0

Re: costco amex DENIED!

Why is this news.Everyone knows that amex is a joke.I wouldnd even compare with citi.At least they gave me a chance with a high credit limit even though i had a bk in 07 with them

Thats why amex will never be peoples company IMO


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Frequent Contributor
OptimasPrime
Posts: 348
Registered: ‎08-17-2012
0

Re: costco amex DENIED!

[ Edited ]

 


astritaho1979 wrote:

Why is this news.Everyone knows that amex is a joke.I wouldnd even compare with citi.At least they gave me a chance with a high credit limit even though i had a bk in 07 with them

Thats why amex will never be peoples company IMO


Calling Amex a joke because they won't approve you is hardly fair. I'd venture that they wouldn't approve 99.9% of people with bks. This doesn't make them a joke, it makes them a conservative lender. Chase and many other lenders have similar policies based on what I've read on this site.

 

Also, defaming specific lenders on these forums is generally frowned upon by the moderators, and historically is a sure fire way to get threads locked

EQ 778 | TU 776
Barclay US Airways WMC 7.5k | BCE 5.8k | BofA Travel Rewards 9.1k | Chase Marriott Premier 13k | Citi TYP WMC 6.5k | Freedom Visa Sig 8k| Discover it 10k
Frequent Contributor
astritaho1979
Posts: 451
Registered: ‎10-02-2011
0

Re: costco amex DENIED!

This is my opinion not yours.I will comment here base on my opinion and i would appreciate if you keep the rest to your self.Thank you


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Frequent Contributor
kimmiller112
Posts: 472
Registered: ‎04-09-2012
0

Re: costco amex DENIED!

If you did a little looking, you could find that Amex generally doesn't issue cards to people who have bankruptcy within the past 8 years.  No need to hate a company because they see you as a bit risky.


astritaho1979 wrote:

Why is this news.Everyone knows that amex is a joke.I wouldnd even compare with citi.At least they gave me a chance with a high credit limit even though i had a bk in 07 with them

Thats why amex will never be peoples company IMO


 

Barclays USAir World MC $8300 - DCU $7500 - USAA World MC $7000 - PayPal Extras MC (GE) $5500 - Chase Saphire Preferred $5000 - Discover It $6000 - Barclays Sallie May $2700 - Chase Freedom $1000 - Capital One $8500 (business) - store cards ranging from $500-$9500
Moderator Emeritus
llecs
Posts: 32,869
Registered: ‎08-04-2007
0

Re: costco amex DENIED!

Kind reminder to everyone to be friendly, supportive, and respectful. :smileyhappy:


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}