@Jnbmom wrote:
@Anonymous wrote:If I were you, I'd use the card, pay two to multiple times a month. Show them that you are right kind of customer for a CLI in the future. As it is, all they have in their system is the current info. SDing it might tell them the wrong thing also.
When you get that 1st 3xCLI you will be happy you did. The 2nd 3xCLI is more money, but less fun than the 1st.
@Jnbmom wrote:Thanks. But the weird thing is I set this payment account when I activated card it went through I paid the day my statement cut . I became concerned when payment never cleared my bank account, checked and when I went back to account saw it was "returned" checked my banking info and saw it was missing number . I corrected and resubmitted.
Although I take responsibility for not putting number correctly they also shouldn't have put that lovely green check my account was verified.
None the less nothing I can do now but wait and SD their card for quite sometime lol
Thanks you are right. I was just a little angry about how this went about and that CSR was so not helpful and kind of rude which I am not used to with AMEX.
I was accused of fraud once by a rep because the delivery company kept delivering my replacement cards to my neighbor instead of me.
I will also recommend spending and making payments. I can speak on that from personal experience. When I started my journey with AMEX 3 years ago, after being on the blacklist, they let me in with a Green Card, long story short, I figured out in the first 3 months after talking to them ONCE a week, that the AMEX system looks for a spend and payment pattern, ( Charge or Revolving ), I had to do it the old fashion way, spend a $1000.00, get an email stating, "we might decline your card" I called and ask for a "temp increase on my NPSL card (lol) and they would advance me "$1500", than I would spend $2500, and pay it off, the reason for the "increase" is so the system knows I can spend more than $1000 and pay it off, 1 year later, upgrade to a Platinum, and with year 2 with them they got me up to $20,000 NPSL BUT WILL NOT APPROVE ME FOR A REVOLVER !!....now year 2 and 9 months later I got in the door with the new Hilton Aspire card, same spending habits, first 61 day CLI decline !!! than on the second they gave me the CLI. Moral of the story, weather it is charge or revolver, I advice, spending as much as you can, even if you can pay it off and PAYING IT OFF 1 DAY PRIOR TO CLOSING for Revolver and for a Charge card HALF on 5 days after statement close and than pay the rest off about 7 days later.
Hope this helps.
PS. Year 2 with them with all the Revolver declines, this was even after writing a letter to their Corp office.
