topic Re: I think its finally time for me to get in with Amex in Credit Cards

I think its finally time for me to get in with Amex

zyzzus — Mon, 21 Apr 2014 00:46:11 GMT

My mother opened BCE last year. If I get added as AU before being approved for this I get to backdate?

I have experian on ice... I'll need to thaw correct? From the small amount of reading I've done this card trumps bce as long as I use points to travel?

I have a lot of cards reporting balances right now and just paid off an auto loan. Going to let these payments report have one card show a balance and give it one final whirl. If they deny me again I'll give up lol

Re: I think its finally time for me to get in with Amex

Anonymous — Sun, 20 Apr 2014 20:22:22 GMT

DH got the same offer, and was approved! We are still waiting for it to come! I think the APR is great. I would also not expose your RSVP code online, IMO.

Re: I think its finally time for me to get in with Amex

zyzzus — Sun, 20 Apr 2014 20:23:41 GMT

@Anonymous wrote:
DH got the same offer, and was approved! We are still waiting for it to come! I think the APR is great. I would also not expose your RSVP code online, IMO.

Thank you shelly

Re: I think its finally time for me to get in with Amex

Anonymous — Sun, 20 Apr 2014 20:24:08 GMT

Yes, you will also need to unfreeze your EX too.

Re: I think its finally time for me to get in with Amex

Anonymous — Sun, 20 Apr 2014 20:25:56 GMT

@zyzzus wrote:
@Anonymous wrote:
DH got the same offer, and was approved! We are still waiting for it to come! I think the APR is great. I would also not expose your RSVP code online, IMO.
Thank you shelly

Re: I think its finally time for me to get in with Amex

zyzzus — Sun, 20 Apr 2014 20:26:58 GMT

@Anonymous wrote:
@zyzzus wrote:
@Anonymous wrote:
DH got the same offer, and was approved! We are still waiting for it to come! I think the APR is great. I would also not expose your RSVP code online, IMO.
Thank you shelly
np

fixed I can't believe I didn't realize that lol

May I have info on dh's profile?

Re: I think its finally time for me to get in with Amex

Anonymous — Sun, 20 Apr 2014 20:30:16 GMT

I know that the DH score is in the 700's, and he has a CHASE with currently 50% utilization. (His limit is 3k), he has Discover IT with 33% UTL with a limit of 7k, and another card with 25% UTL.

He is still paying his student loan off, and paid off his car loan last year.

Re: I think its finally time for me to get in with Amex

-Wade- — Sun, 20 Apr 2014 21:56:28 GMT

@zyzzus wrote:

My mother opened BCE last year. If I get added as AU before being approved for this I get to backdate?

I have experian on ice... I'll need to thaw correct? From the small amount of reading I've done this card trumps bce as long as I use points to travel?

I have a lot of cards reporting balances right now and just paid off an auto loan. Going to let these payments report have one card show a balance and give it one final whirl. If they deny me again I'll give up lol

Good luck to you

Re: I think its finally time for me to get in with Amex

Crysis — Mon, 21 Apr 2014 00:27:22 GMT

Just an FYI, that little square in the corner is a bar code. It's called a QR code, and it might have information that shouldn't be disclosed.

Re: I think its finally time for me to get in with Amex

zyzzus — Mon, 21 Apr 2014 00:44:45 GMT

@Crysis wrote:
Just an FYI, that little square in the corner is a bar code. It's called a QR code, and it might have information that shouldn't be disclosed.

holy hell lol

thanks editing

anyone got answers to the backdating question?

Re: I think its finally time for me to get in with Amex

NoAnchoviesPlease — Mon, 21 Apr 2014 00:49:35 GMT

@zyzzus wrote:

anyone got answers to the backdating question?

You might be able to, although I don't know if you can get the MSD updated if your card is issued before your AU status posts. Depends on how quickly Amex's systems update and how closely they're linked.

Re: I think its finally time for me to get in with Amex

BluePoodle — Mon, 21 Apr 2014 00:56:16 GMT

I received this same offer last week. Haven't decided if I want it yet or not. But way cool!

Re: I think its finally time for me to get in with Amex

CribDuchess — Mon, 21 Apr 2014 01:01:51 GMT

Nice offer! To answer your question about backdating, if your mom is only now just adding you as an AU, your MSD would be 4/2014 anyway. AUs do not backdate to the primary cardholder's MSD. So you wouldn't really gain anything by waiting to become her AU and have it post to your reports. You might as well just go for this offer if this is the card you desire from Amex. Good luck!

Re: I think its finally time for me to get in with Amex

zyzzus — Mon, 21 Apr 2014 01:13:07 GMT

@CribDuchess wrote:
Nice offer! To answer your question about backdating, if your mom is only now just adding you as an AU, your MSD would be 4/2014 anyway. AUs do not backdate to the primary cardholder's MSD. So you wouldn't really gain anything by waiting to become her AU and have it post to your reports. You might as well just go for this offer if this is the card you desire from Amex. Good luck!

That makes sense. I have neglected to read a lot about amex to begin with because i was fairly bitter they denied me like three times before now .

thank you for the response.

I BELIEVE this card is better than BCE if i use points for travel (by better i mean better value).

I don't spend enough to warrant preferred on either card.

Thanks <3 this forum.

Re: I think its finally time for me to get in with Amex

ways2go — Mon, 21 Apr 2014 02:23:26 GMT

I received the samething in the mail the other day too. I just recently got an Amex Costco True Earnings and was thinking about getting that too. I haven't decided on whether to apply or not.

Re: I think its finally time for me to get in with Amex

Anonymous — Mon, 21 Apr 2014 03:13:32 GMT

@zyzzus wrote:
@CribDuchess wrote:
Nice offer! To answer your question about backdating, if your mom is only now just adding you as an AU, your MSD would be 4/2014 anyway. AUs do not backdate to the primary cardholder's MSD. So you wouldn't really gain anything by waiting to become her AU and have it post to your reports. You might as well just go for this offer if this is the card you desire from Amex. Good luck!
That makes sense. I have neglected to read a lot about amex to begin with because i was fairly bitter they denied me like three times before now .

thank you for the response.

I BELIEVE this card is better than BCE if i use points for travel (by better i mean better value).

I don't spend enough to warrant preferred on either card.

Thanks <3 this forum.

Given your other cards, it really all comes to down to how you would MR. Clearly, BCE has little to no value for you (Sallie Mae does better on the main spend, and they are each 1% on the other stuff). But the Fidelity Amex is going to be accepted whereever the Everday is, so you have to value 1.2MR (assuming you can do 20 per month) higher than 2% cash back, and 2.4MR higher than the Sallie Mae 5% etc.

But if you just want a starter Amex, I would go for the Everyday because it has the potential to have value, and the BCE just doesn't!

Re: I think its finally time for me to get in with Amex

zyzzus — Mon, 21 Apr 2014 03:43:21 GMT

@Anonymous wrote:
@zyzzus wrote:
@CribDuchess wrote:
Nice offer! To answer your question about backdating, if your mom is only now just adding you as an AU, your MSD would be 4/2014 anyway. AUs do not backdate to the primary cardholder's MSD. So you wouldn't really gain anything by waiting to become her AU and have it post to your reports. You might as well just go for this offer if this is the card you desire from Amex. Good luck!
That makes sense. I have neglected to read a lot about amex to begin with because i was fairly bitter they denied me like three times before now .

thank you for the response.

I BELIEVE this card is better than BCE if i use points for travel (by better i mean better value).

I don't spend enough to warrant preferred on either card.

Thanks <3 this forum.
Given your other cards, it really all comes to down to how you would MR. Clearly, BCE has little to no value for you (Sallie Mae does better on the main spend, and they are each 1% on the other stuff). But the Fidelity Amex is going to be accepted whereever the Everday is, so you have to value 1.2MR (assuming you can do 20 per month) higher than 2% cash back, and 2.4MR higher than the Sallie Mae 5% etc.

But if you just want a starter Amex, I would go for the Everyday because it has the potential to have value, and the BCE just doesn't!

Yeah... I've set myself up for cashback because its really easily quantfiable for me but I'd really like to get in with Amex just to finally say I have.

I need to see how MR can be redeemed.... thanks lurker

Re: I think its finally time for me to get in with Amex

injustifiiable — Mon, 21 Apr 2014 15:05:36 GMT

My mom got this same offer. She got approved and the cards in the mail. Yay her. lol.

Re: I think its finally time for me to get in with Amex

Revelate — Mon, 21 Apr 2014 16:44:18 GMT

@injustifiiable wrote:
My mom got this same offer. She got approved and the cards in the mail. Yay her. lol.

Heh, Amex continued their lackluster tradition with me: There was an EDP offer in my mailbox, and yet it was addressed to someone else entirely. Three different offers now to two different people, neither of which me at an address I've had for 9 years.

Promotional mailings!

Re: I think its finally time for me to get in with Amex

BluePoodle — Wed, 23 Apr 2014 01:22:37 GMT

@zyzzus wrote:

My mother opened BCE last year. If I get added as AU before being approved for this I get to backdate?

I have experian on ice... I'll need to thaw correct? From the small amount of reading I've done this card trumps bce as long as I use points to travel?

I have a lot of cards reporting balances right now and just paid off an auto loan. Going to let these payments report have one card show a balance and give it one final whirl. If they deny me again I'll give up lol

Zyzzus, did you decide to apply?