topic "That which must not me mentioned" to amex in Credit Cards

"That which must not me mentioned" to amex

Anonymous — Thu, 11 Dec 2014 02:13:52 GMT

Why is "backdating" a no no to say to amex when referring to MSD?

Re: "That which must not me mentioned" to amex

Billybob_TX — Thu, 11 Dec 2014 02:16:26 GMT

It confuses them. MSD is what they know.

Re: "That which must not me mentioned" to amex

Anonymous — Thu, 11 Dec 2014 02:34:35 GMT

In my experiences with CSRs at all the banks which I hold cards, typically they are not as knowledgeable as you would hope. I agree with the above poster. Keep it to terms that are specific to their products, that way there is a good chance they'll know what you're inquiring about.

Re: "That which must not me mentioned" to amex

Anonymous — Thu, 11 Dec 2014 02:41:26 GMT

Okay. The way people talk about it, they make it sound like amex will cancel your cards and blacklist you if you say that. But that makes more sense. Thanks.

Re: "That which must not me mentioned" to amex

Anonymous — Thu, 11 Dec 2014 02:50:26 GMT

I have noticed the same thing in recent posts I have read on here alluding to AA from mentioning backdating. I am sure that the more knowledgeable workers, credit analysts for example, are aware of how valuable the backdating is and realize that for the credit savvy it is one of the main draws to American Express. I wouldn't even get an American Express if they didn't offer this particular advantage...

Re: "That which must not me mentioned" to amex

Anonymous — Thu, 11 Dec 2014 03:41:43 GMT

@Anonymous wrote:
I have noticed the same thing in recent posts I have read on here alluding to AA from mentioning backdating. I am sure that the more knowledgeable workers, credit analysts for example, are aware of how valuable the backdating is and realize that for the credit savvy it is one of the main draws to American Express. I wouldn't even get an American Express if they didn't offer this particular advantage...

I still would.

It's the original superstar card.

Re: "That which must not me mentioned" to amex

Anonymous — Thu, 11 Dec 2014 03:52:34 GMT

What is MSD?

Re: "That which must not me mentioned" to amex

Anonymous — Thu, 11 Dec 2014 03:53:34 GMT

@Anonymous wrote:
What is MSD?

Member Since Date

Re: "That which must not me mentioned" to amex

thom02099 — Fri, 12 Dec 2014 17:18:22 GMT

@Anonymous wrote:
Why is "backdating" a no no to say to amex when referring to MSD?

Backdating is a term used on message boards/forums. The average consumer (not on forums) and AMEX customer service reps have no idea what that means. And it's unique to American Express. If one says what one means, Member Since Date is understandable to said average consumer and AMEX CSR's.

Re: "That which must not me mentioned" to amex

Anonymous — Fri, 12 Dec 2014 21:08:10 GMT

@thom02099 wrote:
@Anonymous wrote:
Why is "backdating" a no no to say to amex when referring to MSD?
Backdating is a term used on message boards/forums. The average consumer (not on forums) and AMEX customer service reps have no idea what that means. And it's unique to American Express. If one says what one means, Member Since Date is understandable to said average consumer and AMEX CSR's.

Yes.

Re: "That which must not me mentioned" to amex

core — Sat, 13 Dec 2014 11:25:22 GMT

@Anonymous wrote:
Okay. The way people talk about it, they make it sound like amex will cancel your cards and blacklist you if you say that.

Yeah I too have always wondered why such posts need to be so dramatic, usually making heavy use of all-caps too. "Do NOT MENTION backdating! End of the world, aaaaahhhh!" Yeah, so the average CSR doesn't know what "backdating" means, so what, that can be calmly stated just like that. The average CSR probably doesn't know what gardening means either but you don't see all caps posts warning not to say that word. I think some of this stuff just gets parroted back and forth around here and folks forget why they're even saying it.

Re: "That which must not me mentioned" to amex

Anonymous — Sat, 13 Dec 2014 17:48:30 GMT

They note your account.

Re: "That which must not me mentioned" to amex

core — Sat, 13 Dec 2014 17:59:48 GMT

@Anonymous wrote:
They note your account.

Really? Interesting. Wow that's gotta be some screen they are working with. I'd imagine each CSR calls up a screen with the following checkboxes:

[ ] Cardholder has paid bill more than once per cycle

[ ] Cardholder purchased booze with Amex card

[ ] Cardholder shops at Walmart

[ ] Cardholder has ever mentioned the word "backdating"

[ ] Cardholder purchased lottery ticket (Level 3 data)

[ ] Cardholder is a 3rd cousin of someone who was once FR'd

(and growing)

That's gotta get old for those poor employees, having to scroll through that whole list checking things off.

Re: "That which must not me mentioned" to amex

Imperfectfuture — Sat, 13 Dec 2014 19:59:36 GMT

@core wrote:
@Anonymous wrote:
They note your account.
Really? Interesting. Wow that's gotta be some screen they are working with. I'd imagine each CSR calls up a screen with the following checkboxes:

[ ] Cardholder has paid bill more than once per cycle
[ ] Cardholder purchased booze with Amex card
[ ] Cardholder shops at Walmart
[ ] Cardholder has ever mentioned the word "backdating"
[ ] Cardholder purchased lottery ticket (Level 3 data)
[ ] Cardholder is a 3rd cousin of someone who was once FR'd
(and growing)

That's gotta get old for those poor employees, having to scroll through that whole list checking things off.

LOL

i'm one of them that pays multiple times per month. If I'm treating a rewards card like debit, I pay it like debit. And when I did check of purchase power so I could plan for 61 to 90 day cli, it came back well over the CL. Definitely got me some costco booze last month (gotta meet that min spend somehow).

Re: "That which must not me mentioned" to amex

core — Sat, 13 Dec 2014 20:31:14 GMT

@Imperfectfuture wrote:
LOL

i'm one of them that pays multiple times per month. If I'm treating a rewards card like debit, I pay it like debit. And when I did check of purchase power so I could plan for 61 to 90 day cli, it came back well over the CL. Definitely got me some costco booze last month (gotta meet that min spend somehow).

Careful there, sir. Next year when you (maybe) get FR'd, the Amex cheerleaders are going to search back to this post, pile on, and say "See, he wasn't telling the whole story. There's always more to the story than they let on." Well if buying what you want and paying when you want is the Paul Harvey "rest" of the story, then count me guilty. When someone says "there's more to the story than they let on", the person really means "they weren't using the card like I am".