AMEX letter

[espnjunkie]

Yes I have the charge card. I will just pay in full for the balance each month. $2,200.00 is more than I currently need right now so I have no problem with my limit. The Capital One card is great for overseas travel because of no foreign transactions fees. Capital One actually does have a decent online perkcentral store. I just bought some shoes and got 9% bonus cash back where AMEX would only give me 3X points for DSW. The green is new new charge everything to card, but it doesn't always give the best discounts.

[pizzadude]

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@frogfan12 wrote:

My AMEX letter came in the mail today and it included my EX score. I have a 736! I was kind of shocked. 

So it is typical for them to not include the CL on the introductory letter?

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That's a great score ~ congrats !!

I was approved for a Zync last year and never saw my score, it wasn't on the welcome letter or any of the paperwork they mailed.   I tried calling several times but could never get thru to someone who could tell me what it was.

But since I am an existing cardmember, now I can simply apply for an AMEX revolver card every few months or so and get my EX FICO if they decline my application, and it is only a soft pull.  

[espnjunkie]

If you a cardmember and you get declined for a revolver they just soft you? Wow that's really a nice benefit. I really like the backdating capability.

[pizzadude]

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@espnjunkie wrote:

If you a cardmember and you get declined for a revolver they just soft you? Wow that's really a nice benefit. I really like the backdating capability.

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Yes, in my experience ( and others have reported as well ) , existing cardmemembers don't get a HP unless approved.