AMEX Oasis Optima APR Reductions?

[sjt]

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@Repairman wrote:

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@dozzer99 wrote:
Anyone have any luck with getting a regular card after optima? I recently apped after having the card 12 months and the denial reason was that I have an active recovery product.. No one at Amex can give me a straight answer with how to proceed.

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How does your credit profile look otherwise? 

Maybe you apped just a LITTLE too soon? How long after hitting your 1 year mark did you apply?

I applied for another AMEX 13 months after I had the Optima, and yes, I was instantly approved. Not only that, but I also requested, and was given a 3x's cli on my Optima.

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Was your CLI a HP or SP?

[Repairman]

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@sjt wrote:

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Was your CLI a HP or SP?

SP

[sjt]

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@Repairman wrote:

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@sjt wrote:

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Was your CLI a HP or SP?

SP

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Good to hear it was a SP and they did a 3x CLI. This points to the fact that Amex is making the Optima Card less and less of a "step child" card.

Hopefully they will allow for APR reduction, product change, and entry into membership rewards in the near future.

[myjourney]

Repairman my friend,

You have 3 threads going in 2 forums all about the same subject (Oasis) ....

no no no no ....Lol

This time I won't have them merged as everyone would be completely lost 

However in the future 1 thread, 1 forum and all questions on same subject would save time space and be more helpful for you to see all answers in one spot

MJ

[Repairman]

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@myjourney wrote:

Repairman my friend,

You have 3 threads going in 2 forums all about the same subject (Oasis) ....

no no no no ....Lol

This time I won't have them merged as everyone would be completely lost 

However in the future 1 thread, 1 forum and all questions on same subject would save time space and be more helpful for you to see all answers in one spot

MJ

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They all are in reference to an AMEX Optima card, but they are all not on the same subject, which is why I posted them on different forums, under dfferent posts, since each one pertains to different questions. They were also posted at different times, as different questions pop up as the days progress.

Sorry, didn't realize I was doing something wrong.

[myjourney]

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@Repairman wrote:

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@myjourney wrote:

Repairman my friend,

You have 3 threads going in 2 forums all about the same subject (Oasis) ....

no no no no ....Lol

This time I won't have them merged as everyone would be completely lost 

However in the future 1 thread, 1 forum and all questions on same subject would save time space and be more helpful for you to see all answers in one spot

MJ

---

They all are in reference to an AMEX Optima card, but they are all not on the same subject, which is why I posted them on different forums, under dfferent posts, since each one pertains to different questions. They were also posted at different times, as different questions pop up as the days progress.

Sorry, didn't realize I was doing something wrong.

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All about same subject and thus should be in same thread no more new ones about Oasis....

We have no problem with asking mulitple question in same thread no matter when they come to thought and the thread can run for weeks if you get that much feed back 

Not a problem 

So if you have 6 thoughts tomorrow .....no no no add them to one thread 

No more threads on same subject ....Sorry 

[Repairman]

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@myjourney wrote:

---

@Repairman wrote:

---

@myjourney wrote:

Repairman my friend,

You have 3 threads going in 2 forums all about the same subject (Oasis) ....

no no no no ....Lol

This time I won't have them merged as everyone would be completely lost 

However in the future 1 thread, 1 forum and all questions on same subject would save time space and be more helpful for you to see all answers in one spot

MJ

---

They all are in reference to an AMEX Optima card, but they are all not on the same subject, which is why I posted them on different forums, under dfferent posts, since each one pertains to different questions. They were also posted at different times, as different questions pop up as the days progress.

Sorry, didn't realize I was doing something wrong.

---

All about same subject and thus should be in same thread no more new ones about Oasis....

We have no problem with asking mulitple question in same thread no matter when they come to thought and the thread can run for weeks if you get that much feed back 

Not a problem 

So if you have 6 thoughts tomorrow .....no no no add them to one thread 

No more threads on same subject ....Sorry 

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Again, didn't realize you consider an APR reduction, applying for a new card, and cli the same subject, as they are not. But note taken.

[myjourney]

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@Repairman wrote:

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@myjourney wrote:

---

@Repairman wrote:

---

@myjourney wrote:

Repairman my friend,

You have 3 threads going in 2 forums all about the same subject (Oasis) ....

no no no no ....Lol

This time I won't have them merged as everyone would be completely lost 

However in the future 1 thread, 1 forum and all questions on same subject would save time space and be more helpful for you to see all answers in one spot

MJ

---

They all are in reference to an AMEX Optima card, but they are all not on the same subject, which is why I posted them on different forums, under dfferent posts, since each one pertains to different questions. They were also posted at different times, as different questions pop up as the days progress.

Sorry, didn't realize I was doing something wrong.

---

All about same subject and thus should be in same thread no more new ones about Oasis....

We have no problem with asking mulitple question in same thread no matter when they come to thought and the thread can run for weeks if you get that much feed back 

Not a problem 

So if you have 6 thoughts tomorrow .....no no no add them to one thread 

No more threads on same subject ....Sorry 

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Again, didn't realize you consider an APR reduction,Oasis....

applying for a new card,Closing Oasis and getting a new card 

and cli the same subject,Oasis CLI

as they are not.?

But note taken.

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I'm not going back and forth on this subject 

You see a pattern above?

Oasis no matter how its sliced 

[Anonymous]

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@dozzer99 wrote:
Anyone have any luck with getting a regular card after optima? I recently apped after having the card 12 months and the denial reason was that I have an active recovery product.. No one at Amex can give me a straight answer with how to proceed.

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Wow this is very dishartening. I was told that I could apply for a new card without closing my Optima. I don't ever want to close mine because it is one of my oldest cards. The only one that I have that's older is retail( JCP). Hoping you just got bad info dozzer99. Did you try calling back to talk to someone else? 

[sjt]

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@Anonymous wrote:

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@dozzer99 wrote:
Anyone have any luck with getting a regular card after optima? I recently apped after having the card 12 months and the denial reason was that I have an active recovery product.. No one at Amex can give me a straight answer with how to proceed.

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Wow this is very dishartening. I was told that I could apply for a new card without closing my Optima. I don't ever want to close mine because it is one of my oldest cards. The only one that I have that's older is retail( JCP). Hoping you just got bad info dozzer99. Did you try calling back to talk to someone else? 

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@Anonymous can apply for another card product after 12 full months without having to close the Optima Card. I think @dozzer99 applied just shy 12 full  month and thats why he got the message or he could have applied before Amex changed their policy.