topic Re: Barf...another low Amex SL in Credit Card Approvals

Barf...another low Amex SL

Anonymous — Thu, 01 Dec 2016 14:23:20 GMT

I consider SPG to be just about the best transferable points program out there, in spite of its lack of bonus categories. I'm a frequent Uber user and Delta loyalist, so I figured that in addition to the signup bonus, I'd be left with plenty of good options for earnings.

However, I don't know what came over me when I decided to apply. I've had a Skymiles Gold revolver with them for a few days shy of 1 year now, which has not budged from its $1k SL, despite repeated CLI requests.

The SPG application went pending that evening, and was approved the next morning for...you guessed it...a $1k SL. I'm aware of the potential for 3X CLI, etc etc, but I'm still frustrated, depsite the fact that I should have expected this.

I'll use the SPG heavily, request after 61 days, and again 90 days after if I'm unsuccessful. If that fails, it can hang out with my socks and my Skymiles Gold

Re: Barf...another low Amex SL

steelers1 — Thu, 01 Dec 2016 15:32:45 GMT

BARF!!!

Just be thankful you got approved.

What I wouldn't do for just an opportunity.

Re: Barf...another low Amex SL

fltireguy — Thu, 01 Dec 2016 16:12:46 GMT

Congrats!

The 25k star points offer is pretty good.

Re: Barf...another low Amex SL

Ysettle4 — Thu, 01 Dec 2016 17:46:30 GMT

Congrats on your new SPG and yes, the points structure is pretty good. BTW, that 61 day wait til your first CLI, is dead. You can make that CLI request as soon as you have that card in hand after activation.

Re: Barf...another low Amex SL

Anonymous — Thu, 01 Dec 2016 19:01:21 GMT

@steelers1 wrote:
BARF!!!

Just be thankful you got approved.

What I wouldn't do for just an opportunity.

Re: Barf...another low Amex SL

Anonymous — Thu, 01 Dec 2016 19:02:44 GMT

Congrats, op! That's a nice card to have - it'll grow well if you are good to it!

Re: Barf...another low Amex SL

Anonymous — Thu, 01 Dec 2016 19:20:44 GMT

Congrats, another reason to not do business with Amex

Re: Barf...another low Amex SL

Anonymous — Thu, 01 Dec 2016 20:44:57 GMT

@Anonymous wrote:
Congrats, another reason to not do business with Amex

Why is this a reason not to do business with AMEX? Have you ever applied, were you declined?

Re: Barf...another low Amex SL

fltireguy — Thu, 01 Dec 2016 20:40:44 GMT

@Anonymous wrote:
@Anonymous wrote:
Congrats, another reason to not do business with Amex
Why is this a reason not to do business with AMEX? Have you ever applied, we're you declined?

I have somewhat crappy limits with Amex. ($1600 SPG, $1400 Delta.. $1000 BCP). But, I love their cards, and the rewards structure - nothing else that I have can even come close to the SPG, or BCP ..... I know that eventually they will grow, and I am fine with that..

Re: Barf...another low Amex SL

Anonymous — Thu, 01 Dec 2016 22:05:48 GMT

@Ysettle4 wrote:
Congrats on your new SPG and yes, the points structure is pretty good. BTW, that 61 day wait til your first CLI, is dead. You can make that CLI request as soon as you have that card in hand after activation.

Have you tried this yourself or is there data available to support this? Just wondering of course as I may be interested in making an attempt.

Re: Barf...another low Amex SL

Anonymous — Thu, 01 Dec 2016 22:48:34 GMT

@Anonymous wrote:
@Anonymous wrote:
Congrats, another reason to not do business with Amex
Why is this a reason not to do business with AMEX? Have you ever applied, were you declined?

I have applied and was approved for 3 of their cards. I cancelled them after receiving the welcome bonus. Their customer service takes forever, and is foreign based. Even when I had the platinum card. I had requested an increase on my measly $1,000 limit and they demanded a 4506-T. Even after I explained to them that I had not ever filed taxes and would be happy to provide pay stubs instead they still refused.

Re: Barf...another low Amex SL

Anonymous — Thu, 01 Dec 2016 23:12:34 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Congrats, another reason to not do business with Amex
Why is this a reason not to do business with AMEX? Have you ever applied, were you declined?

I have applied and was approved for 3 of their cards. I cancelled them after receiving the welcome bonus. Their customer service takes forever, and is foreign based. Even when I had the platinum card. I had requested an increase on my measly $1,000 limit and they demanded a 4506-T. Even after I explained to them that I had not ever filed taxes and would be happy to provide pay stubs instead they still refused.

Fair enough, I can see why you made the statement you did. People sometimes comment about a creditor they have had no experience with. You have, thanks for your response.