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Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: feel insulted by amex, should i call them?

Golden Rules of myFICO forums:

 

1.) NEVER say you feel insulted by anything AMEX.

 

-Any questions, refer back to rule #1. Smiley Wink




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008
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Re: feel insulted by amex, should i call them?


LS2982 wrote:

Golden Rules of myFICO forums:

 

1.) NEVER say you feel insulted by anything AMEX.

 

-Any questions, refer back to rule #1. Smiley Wink


LOL... because there are very LOYAL AMEX members here Smiley Wink


$100K in Credit
Last Credit Card App: 11/16/13
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: feel insulted by amex, should i call them?


chnceit wrote:

LS2982 wrote:

Golden Rules of myFICO forums:

 

1.) NEVER say you feel insulted by anything AMEX.

 

-Any questions, refer back to rule #1. Smiley Wink


LOL... because there are very LOYAL AMEX members here Smiley Wink


This guy gets it! ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ Smiley Happy




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Super Contributor
Posts: 10,639
Registered: ‎04-22-2013
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Re: feel insulted by amex, should i call them?

Yes, best thing to do is to substitute Barclays for Amex, and everyone will be sympathetic!  

 

I noticed this soon after I joined:  American Express has every right to FR, CLD, etc you, because you are asking for unsecured loans and Amex has a perfect right and duty to make sure blah blah blah, and if you don't like it, you probably did something wrong and it serves you right.  Exactly the same story about Barclays, e.g closing after too many new accounts, you hear: what a joke of a bank, they just don't get it, complain etc.

 

Now it may well be the case that Amex is worth putting up with for other reasons, but I did find it funny that the same behavior is viewed so differently.

Established Member
Posts: 34
Registered: ‎07-21-2013
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Re: feel insulted by amex, should i call them?

Lol, interesting responses from everyone! I guess u guys are right, no sense in calling about a little 2% apr reduction. Was just curious if anyone had ever succeeded at doing it when the account was new. My citi and bofa cards are 10.99 and are always offering me 0 interest on balance transfers anyways. I just like to use amex for everything and even though I don't plan on carrying a balance with them because it is a rewards card and not ideal at all, I'd just like to have the option for the lowest apr if I ever had to carry one , cuz I want those points lol. I guess I was just annoyed cuz When i saw that my fico was 776 when i applied this week, i thought i would have surely qualified me for the lowest , and my current history with the TE amex. I've just always qualified for the lowest apr on all my accounts. No biggie! It's more of a i want not i need. Thanks for all the feedback, didnt mean to stir up any arguments.
bofa cash rewards:8000
citi forward :12.7k
amex TE costco:15k amex spg: 5000 macys amex: 6000
care credit :12,000 express: 3200 dillards : 5000
amex prg :npsl
CSP: 15k
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: feel insulted by amex, should i call them?


dds2be wrote:
Lol, interesting responses from everyone! I guess u guys are right, no sense in calling about a little 2% apr reduction. Was just curious if anyone had ever succeeded at doing it when the account was new. My citi and bofa cards are 10.99 and are always offering me 0 interest on balance transfers anyways. I just like to use amex for everything and even though I don't plan on carrying a balance with them because it is a rewards card and not ideal at all, I'd just like to have the option for the lowest apr if I ever had to carry one , cuz I want those points lol. I guess I was just annoyed cuz When i saw that my fico was 776 when i applied this week, i thought i would have surely qualified me for the lowest , and my current history with the TE amex. I've just always qualified for the lowest apr on all my accounts. No biggie! It's more of a i want not i need. Thanks for all the feedback, didnt mean to stir up any arguments.

The OP made their first thread/post  and waited for it to pop off then responded........................hilarious!!!! Smiley Very Happy




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Moderator
Posts: 27,207
Registered: ‎09-13-2012
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Re: feel insulted by amex, should i call them?

I love a lively debate and thank you for posting this question. I don't think you shouldn't call, I just think the odds of them saying no is high. I would definitely suggest laying back and calling right before your promo ends. Smiley Wink
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