topic Re: Fidelity AMEX in Credit Cards

Fidelity AMEX

xgac12x — Tue, 21 Jan 2014 18:25:21 GMT

Is this a difficult card to get? I would really like to get this card in mid April, unless it pulls TU lol. I would like to put all of the rewards into the investment account for a partial savings or just invest to see if I can make some more money.

Re: Fidelity AMEX

Anonymous — Tue, 21 Jan 2014 18:57:44 GMT

If you do a Google search on the phrase "credit pulls database", and put "fidelity amex" in the search box, you can get some information.

Your CLs might be kind of low for this CC.

Re: Fidelity AMEX

xgac12x — Tue, 21 Jan 2014 19:12:55 GMT

Well a lot of people it looks like they froze their EQ and EX reports and just called and asked to have TU pulled exclusively. How would I do that? I would really like to get this card, this is a great card in my eyes because I would like to start a relationship with American Express. on Credit karma my score is 760 and I have 5 hardpulls on my report.

Re: Fidelity AMEX

Anonymous — Tue, 21 Jan 2014 19:15:39 GMT

How old is your BoA card? Since the Fidelity is issued through FIA, account history with them may play into it. Other limits as well. I wouldn't apply for it without at least a score of 720+.

Re: Fidelity AMEX

Anonymous — Tue, 21 Jan 2014 19:16:29 GMT

@xgac12x wrote:
Well a lot of people it looks like they froze their EQ and EX reports and just called and asked to have TU pulled exclusively. How would I do that? I would really like to get this card, this is a great card in my eyes because I would like to start a relationship with American Express. on Credit karma my score is 760 and I have 5 hardpulls on my report.

This isn't the card to use for that.

Re: Fidelity AMEX

xgac12x — Tue, 21 Jan 2014 19:27:03 GMT

I got the BoA card back in October..I mean really I would like to get an AMEX but I am going a card that has more cash back than my Freedom which has 3k

Re: Fidelity AMEX

Anonymous — Tue, 21 Jan 2014 19:28:47 GMT

Fidelity Amex is not underwritten by Amex.

Re: Fidelity AMEX

Creditaddict — Tue, 21 Jan 2014 19:33:18 GMT

This is backed by FIA which is Bank of America... They pull EX and might pull TU on recon. They seem pretty generous and good about recon

Re: Fidelity AMEX

xgac12x — Tue, 21 Jan 2014 20:03:41 GMT

Well what if I pull EX and EQ? So that way they can only pull TU?

Re: Fidelity AMEX

xgac12x — Tue, 21 Jan 2014 20:05:11 GMT

Freeze*

Re: Fidelity AMEX

Creditaddict — Tue, 21 Jan 2014 20:28:59 GMT

@xgac12x wrote:
Well what if I pull EX and EQ? So that way they can only pull TU?

I don't have experience with that with BofA but you can't discuss those tactics on the board.

Re: Fidelity AMEX

indiolatino61 — Tue, 21 Jan 2014 20:44:16 GMT

@xgac12x wrote:
Well a lot of people it looks like they froze their EQ and EX reports and just called and asked to have TU pulled exclusively. How would I do that? I would really like to get this card, this is a great card in my eyes because I would like to start a relationship with American Express. on Credit karma my score is 760 and I have 5 hardpulls on my report.

YMMV, but sometimes if a lender pulls a particular CR and it is frozen, they may deny on not being able to pull it, or will ask you to unfreeze it or furnish an unlock code. Some will comply with your request and pull another. Good luck to you.

Re: Fidelity AMEX

xgac12x — Tue, 21 Jan 2014 21:00:01 GMT

What if I call and specifically request to pull TU?

Re: Fidelity AMEX

Anonymous — Tue, 21 Jan 2014 21:14:03 GMT

This card will not establish any relationship with American Express in the way you think it will. This card is issued by FIA/Bank Of America and runs on the Amex payment network. It is not issued by American Express. What you are looking for is a card that you will find you if search directly on americanexpress.com.

Re: Fidelity AMEX

Anonymous — Wed, 22 Jan 2014 00:18:56 GMT

This card isn't underwritten by Amex. It's owned by Bank of America.

You can try freezing your reports, but I doubt it will help. Most national banks, especially chase, will insist on pulling a specific report, especially when a specific file is frozen, simply for fraud prevention purposes. Your files are supposed to be frozen to prevent fraud, and if you can't unfreeze your own file, they usually assume you are not who you claim to be.

Re: Fidelity AMEX

red259 — Wed, 22 Jan 2014 00:32:20 GMT

@Anonymous wrote:
This card will not establish any relationship with American Express in the way you think it will. This card is issued by FIA/Bank Of America and runs on the Amex payment network. It is not issued by American Express. What you are looking for is a card that you will find you if search directly on americanexpress.com.

+1 I think a lot of people look at the Fidelity amex thinking that its a great way to get in with amex. It didn't even occur to me until today that it wasn't a true amex, but then again I never seriously considered applying for the card.