topic Re: Amex I am fuming in Credit Card Applications

Amex I am fuming

Jnbmom — Fri, 18 May 2018 22:16:42 GMT

I recently tried for 61CLI knew I may not get it since I started with such a small SL 1000. I got my letter today, too many inquires ok fair enough but second reason is totally BS. Last month I went to pay and I had transcribed a number wrong well left out one number it was rejected I corrected and resubmitted and payment was made. So my letter states I have had a history for non payment returned payment from bank **bleep** are you kidding me???

I immediately went to chat feature csr stated he understood my concern and to call and explain things. I call get this woman who is very hard to understand of course and she precedes to tell me that of course that wasn't the only factor, I am aware of that but explained I shouldn't be penalized for that now or in the future she kept going on about "other" factors , yes I know but that reason is not fair. She said and I quote that "it will not be a factor in the future over time " are you kidding me? I am beyond pissed ATM

Re: Amex I am fuming

Gmood1 — Fri, 18 May 2018 23:08:42 GMT

Don't sweat it JnBmom. Amex will take you off punishment in 30 days for the returned payment.
If you hadn't noticed, there's a good chance your APR is also at 29.99%. They'll adjust that as well after the 0% promotion is over, that's if your card has it.
I know, because I went through something similar.

Re: Amex I am fuming

Jnbmom — Fri, 18 May 2018 23:24:04 GMT

Thank you. Still irritates me being labeled like that just checked my APR still 0% at least).

I usually get exceptional CSR but that lady was awful.

Re: Amex I am fuming

Anonymous — Fri, 18 May 2018 23:37:55 GMT

I'm afraid to answer because you are so angry. Just don't be mad at me. In lending it has two names, "compounded risk" or "layered risk." By itself it might not be enough to do anything (like decline), but when coupled with other attributes from your FICO score and / or the lender's own underwriting system it is enough to issue a decline.

We really have to be careful when entering our account details for online payments. Mistakes are not easily forgiven. I eyeball my entries so many times before I submit them that I still feel stressed out after the fact. That's why some prefer to push a payment from their bank. The lender never knows if there is an error. just make sure you pay plenty early your first time to make sure you work out any bugs.

Sorry about your decline.

This issue will not stick around and at least it doesn't report to the credit bureaus.

Good luck!

Re: Amex I am fuming

Gmood1 — Fri, 18 May 2018 23:37:38 GMT

I understand, I was pissed as well.
My APR has been at that 29.99% almost the entire time I was supposed to be at 0%. 😂
The penalty APR should be expired now. And back down to 12.74.
Luckily I always pay Amex in full. So the APR had no affect on the usage of that card.
At least they didn't shut it down and close accounts like some lenders do.

Re: Amex I am fuming

Jnbmom — Fri, 18 May 2018 23:42:40 GMT

Yes I transposed number wrong it's not like I "bounced a check". Very irritating and I pay in full as well and will SD them for awhile terrible CSR .

Re: Amex I am fuming

Anonymous — Sat, 19 May 2018 00:17:35 GMT

I can see both sides of this. One, they view it as returned/whatever payment because of the glitch. Same thing as if you sent them a check made out ot the Cable Comany. There are fees associated with non payments etc. that is all spelled out in the "agreement" we sign.

While it's a simple honest mistake, it doesn't negate the offense.

What I don't get, is the issue of one payment having the exception. Obviously we fix it once we've been made aware. And since the second payment went through with no problems, I don't see why they're acting like it's such a horror. Yeah, people walk away from charges all teh time with games, but they sure don't make second payment and try to reason wth the CCC about it. So they coud be a little more reasonable.

This is why I always set up any new payment accts. prior to any actual payments/due dates. That way it gives the CCC time to put it through their system as an active account. Also make a test payment prior to any due dates.

Re: Amex I am fuming

Jnbmom — Sat, 19 May 2018 00:27:56 GMT

Thanks. But the weird thing is I set this payment account when I activated card it went through I paid the day my statement cut . I became concerned when payment never cleared my bank account, checked and when I went back to account saw it was "returned" checked my banking info and saw it was missing number . I corrected and resubmitted.

Although I take responsibility for not putting number correctly they also shouldn't have put that lovely green check my account was verified.

None the less nothing I can do now but wait and SD their card for quite sometime lol

Re: Amex I am fuming

Anonymous — Sat, 19 May 2018 03:30:18 GMT

If I were you, I'd use the card, pay two to multiple times a month. Show them that you are right kind of customer for a CLI in the future. As it is, all they have in their system is the current info. SDing it might tell them the wrong thing also.

When you get that 1st 3xCLI you will be happy you did. The 2nd 3xCLI is more money, but less fun than the 1st.

@Jnbmom wrote:
Thanks. But the weird thing is I set this payment account when I activated card it went through I paid the day my statement cut . I became concerned when payment never cleared my bank account, checked and when I went back to account saw it was "returned" checked my banking info and saw it was missing number . I corrected and resubmitted.

Although I take responsibility for not putting number correctly they also shouldn't have put that lovely green check my account was verified.

None the less nothing I can do now but wait and SD their card for quite sometime lol

Re: Amex I am fuming

Jnbmom — Sat, 19 May 2018 16:26:03 GMT

@Anonymous wrote:
If I were you, I'd use the card, pay two to multiple times a month. Show them that you are right kind of customer for a CLI in the future. As it is, all they have in their system is the current info. SDing it might tell them the wrong thing also.

When you get that 1st 3xCLI you will be happy you did. The 2nd 3xCLI is more money, but less fun than the 1st.

@Jnbmom wrote:
Thanks. But the weird thing is I set this payment account when I activated card it went through I paid the day my statement cut . I became concerned when payment never cleared my bank account, checked and when I went back to account saw it was "returned" checked my banking info and saw it was missing number . I corrected and resubmitted.

Although I take responsibility for not putting number correctly they also shouldn't have put that lovely green check my account was verified.

None the less nothing I can do now but wait and SD their card for quite sometime lol

Thanks you are right. I was just a little angry about how this went about and that CSR was so not helpful and kind of rude which I am not used to with AMEX.

Re: Amex I am fuming

Brian_Earl_Spilner — Sat, 19 May 2018 18:04:51 GMT

@Jnbmom wrote:
@Anonymous wrote:
If I were you, I'd use the card, pay two to multiple times a month. Show them that you are right kind of customer for a CLI in the future. As it is, all they have in their system is the current info. SDing it might tell them the wrong thing also.

When you get that 1st 3xCLI you will be happy you did. The 2nd 3xCLI is more money, but less fun than the 1st.

@Jnbmom wrote:
Thanks. But the weird thing is I set this payment account when I activated card it went through I paid the day my statement cut . I became concerned when payment never cleared my bank account, checked and when I went back to account saw it was "returned" checked my banking info and saw it was missing number . I corrected and resubmitted.

Although I take responsibility for not putting number correctly they also shouldn't have put that lovely green check my account was verified.

None the less nothing I can do now but wait and SD their card for quite sometime lol

Thanks you are right. I was just a little angry about how this went about and that CSR was so not helpful and kind of rude which I am not used to with AMEX.

I was accused of fraud once by a rep because the delivery company kept delivering my replacement cards to my neighbor instead of me.

Re: Amex I am fuming

Jnbmom — Sat, 19 May 2018 18:14:58 GMT

@Brian_Earl_Spilner wrote:
@Jnbmom wrote:
@Anonymous wrote:
If I were you, I'd use the card, pay two to multiple times a month. Show them that you are right kind of customer for a CLI in the future. As it is, all they have in their system is the current info. SDing it might tell them the wrong thing also.

When you get that 1st 3xCLI you will be happy you did. The 2nd 3xCLI is more money, but less fun than the 1st.

@Jnbmom wrote:
Thanks. But the weird thing is I set this payment account when I activated card it went through I paid the day my statement cut . I became concerned when payment never cleared my bank account, checked and when I went back to account saw it was "returned" checked my banking info and saw it was missing number . I corrected and resubmitted.

Although I take responsibility for not putting number correctly they also shouldn't have put that lovely green check my account was verified.

None the less nothing I can do now but wait and SD their card for quite sometime lol

Thanks you are right. I was just a little angry about how this went about and that CSR was so not helpful and kind of rude which I am not used to with AMEX.
I was accused of fraud once by a rep because the delivery company kept delivering my replacement cards to my neighbor instead of me.

Thats awful. I swear if I cold have reached through that phone 😂 I was hoping to get a survey about my recent phonecall would love to give my opinion.

Re: Amex I am fuming

Anonymous — Sun, 20 May 2018 14:27:06 GMT

I second the pay multiple times a month reccomendation. AMEX loves that. If you

do that for a few months you should get that CLI you wanted. Sorry you had a nasty CSR

typically AMEX CSR are some of the best you just got a

bad one. Dang it would have been great to have a survey to rate her service after that experience.

Re: Amex I am fuming

PointsBonus — Mon, 21 May 2018 02:50:06 GMT

I will also recommend spending and making payments. I can speak on that from personal experience. When I started my journey with AMEX 3 years ago, after being on the blacklist, they let me in with a Green Card, long story short, I figured out in the first 3 months after talking to them ONCE a week, that the AMEX system looks for a spend and payment pattern, ( Charge or Revolving ), I had to do it the old fashion way, spend a $1000.00, get an email stating, "we might decline your card" I called and ask for a "temp increase on my NPSL card (lol) and they would advance me "$1500", than I would spend $2500, and pay it off, the reason for the "increase" is so the system knows I can spend more than $1000 and pay it off, 1 year later, upgrade to a Platinum, and with year 2 with them they got me up to $20,000 NPSL BUT WILL NOT APPROVE ME FOR A REVOLVER !!....now year 2 and 9 months later I got in the door with the new Hilton Aspire card, same spending habits, first 61 day CLI decline !!! than on the second they gave me the CLI. Moral of the story, weather it is charge or revolver, I advice, spending as much as you can, even if you can pay it off and PAYING IT OFF 1 DAY PRIOR TO CLOSING for Revolver and for a Charge card HALF on 5 days after statement close and than pay the rest off about 7 days later.

Hope this helps.

PS. Year 2 with them with all the Revolver declines, this was even after writing a letter to their Corp office.