topic Re: american express in Credit Cards

american express

Anonymous — Fri, 06 Apr 2012 14:55:38 GMT

as you all know, i recetly was approved for a zync and expecting a plum/platinum from my employer. so yesterday, accounting/hr signed me up for the plum through the company acct, and it was declined stating that the owner already has the zync and they cant issue another charge account. uhhhh.... the owner is a millionaire, she would care less to carry the zync and never have had one, and probably has the black. HR is on top of this but im wondering why they declined it? i told HR that i have the zync, hopefully this wont cause an issue with my expense acct for work, itd be very embarrassing. crap, as im typing, vp of sales just emailed me asking about the issue, yikesss!!!! gotta get back to work!

Re: american express

Anonymous — Fri, 06 Apr 2012 14:57:54 GMT

Hmmmm..... I don't know why they would say that, as one account is intended for personal use and the other is for business. Plus, other people have more than one charge product with them. Please keep us posted as to the outcome.

Re: american express

Anonymous — Fri, 06 Apr 2012 14:59:03 GMT

Does this company have any baddies? What's it credit score? Was it a FICO?

(Sorry, can't help it, coffee is kicking in)

Re: american express

LS2982 — Fri, 06 Apr 2012 15:00:55 GMT

That is weird, have you talked to AMEX about it??

Re: american express

Anonymous — Fri, 06 Apr 2012 15:06:09 GMT

company is a natiional company with 100 million dollars in sale annually, im sure there are no baddies on their record. HR did put my social on the authorized user app, vp of sales just told me that theyre on top of it, and amex prolly has a computer glitch, and to put my expenses thru my personal card and get reimbursed. HR will talk to amex today.

Re: american express

Anonymous — Fri, 06 Apr 2012 15:08:14 GMT

@Anonymous wrote:
company is a natiional company with 100 million dollars in sale annually, im sure there are no baddies on their record. HR did put my social on the authorized user app, vp of sales just told me that theyre on top of it, and amex prolly has a computer glitch, and to put my expenses thru my personal card and get reimbursed. HR will talk to amex today.

Sounds like it will all get straightened out. Good luck, and keep us posted.

Re: american express

LS2982 — Fri, 06 Apr 2012 15:10:22 GMT

@Itsrx Fingers crossed for it all to be ok!

Re: american express

Anonymous — Fri, 06 Apr 2012 15:12:07 GMT

thank you all! very embarrassing situation so far!

Re: American express

birjest — Fri, 06 Apr 2012 18:21:13 GMT

Naw, no need to be embarrassed. It is one thing to be disapprove for bad credit/poor debt management. Having an AMEX, regardless if it is a Zync or Plat still signal that you are in good standing.

Re: American express

bichonmom — Fri, 06 Apr 2012 19:22:07 GMT

Having a Zync is no reason to be embarassed! I had to wait until my credit was good enough and then *hoped* I'd be approved. Amex has high standards, and it's only here on the forum that it's discussed that it's an easier Amex to qualify for. But still... easier doesn't mean easy! I love giving cashiers my Zync!

Re: American express

espnjunkie — Fri, 06 Apr 2012 20:22:38 GMT

Getting approved for any AMEX, even zync, is not easy. Your scores and credit history have to be pretty solid or amex won't even give you the time of day. 680+ scores are pretty much the minimum (exceptions exist) to qualify for an amex.

Re: American express

LS2982 — Fri, 06 Apr 2012 20:25:31 GMT

@espnjunkie wrote:
Getting approved for any AMEX, even zync, is not easy. Your scores and credit history have to be pretty solid or amex won't even give you the time of day. 680+ scores are pretty much the minimum (exceptions exist) to qualify for an amex.

I'd say thats YMMV. Especially for Zync because iffy files usually get counteroffered the autopay $500CL or $200 hard limit.

Re: American express

Anonymous — Fri, 06 Apr 2012 20:28:16 GMT

thanks everyone, so HR called and said that amex realized the problem, theyll review the application and get decision in 7 days, **bleep**?!!!! come on, this is multi millions revenue company, why would they do that? im not embarrassed that i have the zync but bc company has to go through hoops to get me a corporate card, vp of sales has to intervene and such, big hassle. i like to be under the radar, ya know!

Re: American express

espnjunkie — Fri, 06 Apr 2012 20:30:17 GMT

Of course, and I was referring to be approved for any revolver or any charge card with NPSL. Amex strongly takes income and assets into account as well. I know many people want to get in with amex when rebuilding and rush to apply for zync as soon as possible, but it might be best to garden an additional six months, get those scores up, and receive a npsl zync instead of getting one with autopay.

Re: American express

LS2982 — Fri, 06 Apr 2012 20:31:27 GMT

@espnjunkie wrote:
Of course, and I was referring to be approved for any revolver or any charge card with NPSL. Amex strongly takes income and assets into account as well. I know many people want to get in with amex when rebuilding and rush to apply for zync as soon as possible, but it might be best to garden an additional six months, get those scores up, and receive a npsl zync instead of getting one with autopay.

Agree!

Re: American express

LS2982 — Fri, 06 Apr 2012 20:31:50 GMT

@Anonymous wrote:
thanks everyone, so HR called and said that amex realized the problem, theyll review the application and get decision in 7 days, **bleep**?!!!! come on, this is multi millions revenue company, why would they do that? im not embarrassed that i have the zync but bc company has to go through hoops to get me a corporate card, vp of sales has to intervene and such, big hassle. i like to be under the radar, ya know!

Sorry to hear

Re: American express

Anonymous — Wed, 11 Apr 2012 21:02:02 GMT

just to update everyone, my plum finally came in, HR sorted everything out, now the HR manager asked me if the Zync is worth it since the annual fee is cheaper, lol

Re: American express

jdogi — Thu, 12 Apr 2012 01:01:06 GMT

Just tell them that you chose it partly because of the low AF, but mostly because you think it's the sexiest looking AMEX charge card there is. Tell them that you may upgrade to a green or gold once you've banked 200k reward points because they will migrate to the better reward tier. They will say "wow...this person is a real thinker, and with a great sense of style"

Case closed

Re: American express

aussiesareforever — Thu, 12 Apr 2012 01:15:38 GMT

@jdogi wrote:
Just tell them that you chose it partly because of the low AF, but mostly because you think it's the sexiest looking AMEX charge card there is. Tell them that you may upgrade to a green or gold once you've banked 200k reward points because they will migrate to the better reward tier. They will say "wow...this person is a real thinker, and with a great sense of style"

Case closed