topic Re: AMEX questions in Credit Cards

AMEX questions

Anonymous — Thu, 20 Mar 2014 01:05:57 GMT

BCP should be here in the next couple of days. I went online and set up everything I could before the card arrives. I signed up for paperless statements, alerts, etc. and got an email confirmation today. When I opened the email, I saw it said "Optima" as the account. I applied for a BCP and was instantly approved. Do you think this is just a general email? Also, will AMEX allow multiple payments per month? It's a bit obsessive but I like to PIF no longer than every 2 weeks. Discover and CapOne lets me pay as many times as I want. Hoping for same on the AMEX.

Here's what was in the body of the email. Did they approve me for a BCP but are sending me an Optima?

Re: AMEX questions

CelticLady — Thu, 20 Mar 2014 01:20:23 GMT

I didn't opt for paperless statements yet but did enroll in account alerts. I've checked the 3 emails I've gotten from them and they all say "Blue Cash". Can't wait for the card to get there!

When you logged in to your online account does it show your BCP? Mine shows up there.

Re: AMEX questions

Anonymous — Thu, 20 Mar 2014 01:25:48 GMT

@CelticLady wrote:
I didn't opt for paperless statements yet but did enroll in account alerts. I've checked the 3 emails I've gotten from them and they all say "Blue Cash". Can't wait for the card to get there!

When you logged in to your online account does it show your BCP? Mine shows up there.

It does show BCP when I log in so I guess it's just a general email or they sent me the wrong one. I have never heard of an Optima before. I saw an Optima Oasis program and I was like Oh Lord, what did I do to AMEX in the past?!? LOL I'm sure it's just a fluke.

I'm expecting the card tomorrow or no later than Friday. If they are still shipped from Omaha, I'm about three states away. I have a grocery trip and a 17 gallon gas tank waiting to break it in.

EDIT: spelling

Re: AMEX questions

phillyguy12 — Thu, 20 Mar 2014 01:42:58 GMT

no worries i had the same thing happen to me when i got the BCE, i was a little freaked when i saw that but when the card showed up it was the correct one, i only got approved for 1k starting limit and on the high end of interest rate this its 19 or 20%, doesn't matter much to me because i pif every month but let something show each month.iwonder if the low limit and high rate had anything to do w/ it. the limit grew fast though, and i make multiple payments a month to keep the posting bal low and they pretty much make the pmt amt ava right away which is nice

Re: AMEX questions

Anonymous — Thu, 20 Mar 2014 01:57:07 GMT

@phillyguy12 wrote:
no worries i had the same thing happen to me when i got the BCE, i was a little freaked when i saw that but when the card showed up it was the correct one, i only got approved for 1k starting limit and on the high end of interest rate this its 19 or 20%, doesn't matter much to me because i pif every month but let something show each month.iwonder if the low limit and high rate had anything to do w/ it. the limit grew fast though, and i make multiple payments a month to keep the posting bal low and they pretty much make the pmt amt ava right away which is nice

Thanks for your response. I'm happy to hear i can pay multiple times per month.

Re: AMEX questions

JediNeo — Thu, 20 Mar 2014 02:04:43 GMT

Congrats on your approval. For me amex only allowed me to make one payment during my first month. Since then I've had no issues making multiple payments.

Re: AMEX questions

Anonymous — Thu, 20 Mar 2014 02:08:25 GMT

@JediNeo wrote:
Congrats on your approval. For me amex only allowed me to make one payment during my first month. Since then I've had no issues making multiple payments.

Very good info. I guess I'll play it safe and just pay once the first month. I'd hate to make a partial payment mid month then not be able to pay again until the following month and carry a balance. And thanks for your kind words on the approval, too!

Re: AMEX questions

bch238 — Thu, 20 Mar 2014 10:04:49 GMT

Wouldn't worry. I have a BCP, and my weekly email account summary said "Optima," not BCP. Chalk it up to computer glitch.

Re: AMEX questions

Chris679 — Thu, 20 Mar 2014 11:34:00 GMT

FYI, letting the statement report a balance is not the same as "carrying a balance" which would be not paying the full statement balance in full by the due date. Feel free to pay multiple times per month if you want but no need to pay it down to zero before the cut date from the creditors perspective.

Re: AMEX questions

takeshi74 — Thu, 20 Mar 2014 12:12:05 GMT

@Anonymous wrote:
When I opened the email, I saw it said "Optima" as the account.

Not unusual. I've had the same for at least one of my AmEx cards as well.

@phillyguy12 wrote:
if the low limit and high rate had anything to do w/ it.

Anything to do withe "Optima" showing up? My limit is high and my APR is low so that wouldn't seem to be the case.

Re: AMEX questions

Leadberry — Thu, 20 Mar 2014 12:22:18 GMT

This happens with my gold card, only instead of Optima, it says "Preferred Rewards Green."

Re: AMEX questions

Jlu — Thu, 20 Mar 2014 13:50:27 GMT

To the OP: This happened to me just recently. Awaiting my AMEX PRG but the email said AMEX Green card.. kind of made my stomach drop for a second until I realized it was most definitely only a mistake.

Re: AMEX questions

Anonymous — Thu, 20 Mar 2014 14:22:31 GMT

If you get approved for a second Amex, will the company add it to your first log in automatically?

it said I could set up my account online after I got approved for a second card but when I logged in like I do for my other card it said that account was already associated with a card.

Re: AMEX questions

phillyguy12 — Thu, 20 Mar 2014 16:11:51 GMT

phillyguy12 wrote:

if the low limit and high rate had anything to do w/ it.

Anything to do withe "Optima" showing up? My limit is high and my APR is low so that wouldn't seem to be the case

yea prob not then was just a theory since i thought their optima card was their card for people that had issues in the past w/ amex and or less then good credit, just odd would think the like of an amex would not have this kind of on going issue, i got the bce about a yr ago and looks like its still happening