AMEX Gold/Platinum Pre Qualify Solid??

[Anonymous]

Thanks for the responses from @Remedios @FinStar 

I ordered something off eBay ( Looking back in hindsight this is totally my fault ) that was not as described. I ordered an exspensive watch and it was a fake. So I immediately notified eBay opened a case and they ruled in favor of the seller. My last option was an Amex dispute which I always hate doing any dispute but they sided with the merchant/eBay/seller which was very weird. I had proof the watch was fake because I got a certificate from a local jewelry store. Long store short I paid off all Amex cards and after they were all at $0 called and closed all accounts. Hope this helps. 

[FinStar]

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@Remedios wrote:

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@FinStar wrote:

You mentioned you had a bad experience with AmEx, what in specific would you say soured the relationship, was it something procedural or policy related or...?  -- just something to keep in mind if you're willing to re-establish the relationship and avoid any past headaches.

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Copy kitty! 

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[Remedios]

And your cards were older than a year when you closed them? 

[jdbkiang]

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@Anonymous wrote:

Thanks for the responses from @Remedios @FinStar 

I ordered something off eBay ( Looking back in hindsight this is totally my fault ) that was not as described. I ordered an exspensive watch and it was a fake. So I immediately notified eBay opened a case and they ruled in favor of the seller. My last option was an Amex dispute which I always hate doing any dispute but they sided with the merchant/eBay/seller which was very weird. I had proof the watch was fake because I got a certificate from a local jewelry store. Long store short I paid off all Amex cards and after they were all at $0 called and closed all accounts. Hope this helps. 

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That's very unfortunate, and I would definitely have fought hard for that. But then again, I'm also the type of guy to keep reopening a dispute for 6 months to hold the card companies accountable in doing what they advertised (fraud protection). 

If you're not going Chase for 5/24 purposes, then I'd definitely take the prequals. Had a relative recently get 175K MR from the Gold/Plat offers as a new to Amex special offer. 

[scfc1972]

They've been good for me.

[Anonymous]

@Remedios 

Yes they were around 2-4 years old depending on the card with no late history or bad util issues. Always pics in full. I wonder if they will remember the dispute because I fought them tooth and nail. Still lost in the end but battled them for months. 

[Remedios]

I'm not sure if a dispute would cause future issues.

My opinion, it's (usually) a single pull, and you aren't swimming in inquiries or new accounts.

Seems like there aren't any pre-existing issues that would carry over, so if you've found a card that would be beneficial to you, go for it. 

[Anonymous]

Thanks everyone for responding. 

I got approved for the Gold with the 75K points and the Cash Magnet Preferred with 15K starting limit. 

thanks again. 

[Remedios]

@Anonymous Congrats on your approval.

This thread is now closed for additional messages, feel free to start an approval thread if you wish to do so.