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AMEX questions

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axledobe
Frequent Contributor

AMEX questions

BCP should be here in the next couple of days.  I went online and set up everything I could before the card arrives.  I signed up for paperless statements, alerts, etc. and got an email confirmation today.  When I opened the email, I saw it said "Optima" as the account.  I applied for a BCP and was instantly approved.  Do you think this is just a general email?  Also, will AMEX allow multiple payments per month?  It's a bit obsessive but I like to PIF no longer than every 2 weeks.  Discover and CapOne lets me pay as many times as I want.  Hoping for same on the AMEX.

 

Here's what was in the body of the email.  Did they approve me for a BCP but are sending me an Optima?  Smiley Happy

 


FICO SCORES: TU 769; EX 790; EQ 790 ***Gardening indefinitely***



Message 1 of 14
13 REPLIES 13
CelticLady
Regular Contributor

Re: AMEX questions

I didn't opt for paperless statements yet but did enroll in account alerts. I've checked the 3 emails I've gotten from them and they all say "Blue Cash". Can't wait for the card to get there!

 

When you logged in to your online account does it show your BCP? Mine shows up there.

Wells Fargo Propel / AMEX BCE / Cap1 QS WMC / Chase Freedom / Cap1 QS / Discover it / Cap1 QSO / Chase Amazon Visa / PayPal CBMC /
Message 2 of 14
axledobe
Frequent Contributor

Re: AMEX questions


@CelticLady wrote:

I didn't opt for paperless statements yet but did enroll in account alerts. I've checked the 3 emails I've gotten from them and they all say "Blue Cash". Can't wait for the card to get there!

 

When you logged in to your online account does it show your BCP? Mine shows up there.


It does show BCP when I log in so I guess it's just a general email or they sent me the wrong one.  I have never heard of an Optima before.  I saw an Optima Oasis program and I was like Oh Lord, what did I do to AMEX in the past?!?  LOL    I'm sure it's just a fluke.

 

I'm expecting the card tomorrow or no later than Friday.  If they are still shipped from Omaha, I'm about three states away.  I have a grocery trip and a 17 gallon gas tank waiting to break it in.  Smiley Happy

 

EDIT: spelling


FICO SCORES: TU 769; EX 790; EQ 790 ***Gardening indefinitely***



Message 3 of 14
phillyguy12
Frequent Contributor

Re: AMEX questions

no worries i had the same thing happen to me when i got the BCE, i was a little freaked when i saw that but when the card showed up it was the correct one, i only got approved for 1k starting limit and on the high end of interest rate this its 19 or 20%, doesn't matter much to me because i pif every month but let something show each month.iwonder if the low limit and high rate had anything to do w/ it. the limit grew fast though, and i make multiple payments a month to keep the posting bal low and they pretty much make the pmt amt ava right away which is nice

Amx BCE-25k,Amx Zync-NSPL
Barclay's Mastercard-13.5k
Credit Union Visa-1k
Discover-24k, Khols-2k
Message 4 of 14
axledobe
Frequent Contributor

Re: AMEX questions


@phillyguy12 wrote:

no worries i had the same thing happen to me when i got the BCE, i was a little freaked when i saw that but when the card showed up it was the correct one, i only got approved for 1k starting limit and on the high end of interest rate this its 19 or 20%, doesn't matter much to me because i pif every month but let something show each month.iwonder if the low limit and high rate had anything to do w/ it. the limit grew fast though, and i make multiple payments a month to keep the posting bal low and they pretty much make the pmt amt ava right away which is nice


Thanks for your response.  I'm happy to hear i can pay multiple times per month. 


FICO SCORES: TU 769; EX 790; EQ 790 ***Gardening indefinitely***



Message 5 of 14
JediNeo
Frequent Contributor

Re: AMEX questions

Congrats on your approval. For me amex only allowed me to make one payment during my first month. Since then I've had no issues making multiple payments.

NFCU Cash Rewards | CSP | Freedom Unlimited | WalMart MC | Target Red MC | Citi Costco | AMEX BCE
Message 6 of 14
axledobe
Frequent Contributor

Re: AMEX questions


@JediNeo wrote:

Congrats on your approval. For me amex only allowed me to make one payment during my first month. Since then I've had no issues making multiple payments.


Very good info.  I guess I'll play it safe and just pay once the first month.  I'd hate to make a partial payment mid month then not be able to pay again until the following month and carry a balance.  And thanks for your kind words on the approval, too! 


FICO SCORES: TU 769; EX 790; EQ 790 ***Gardening indefinitely***



Message 7 of 14
bch238
Regular Contributor

Re: AMEX questions

Wouldn't worry.  I have a BCP, and my weekly email account summary said "Optima," not BCP.  Chalk it up to computer glitch.

FICO Scores (MARCH 2016): EQ 829; EX 825; TU 828
AmEx BCP $25,000; AmEx Platinum (NPSL); Barclaycard JetBlue Rewards $5,000; Bank of America Cash Rewards $27,500; Chase Sapphire Preferred $33,700; Chase Marriott Rewards Premier $15,000; Chase Freedom $12,000; Citi Prestige $30,500; Virgin America Premium $25,000; The Home Depot Card $20,500; Capital One Platinum $15,000
Message 8 of 14
Chris679
Established Contributor

Re: AMEX questions

FYI, letting the statement report a balance is not the same as "carrying a balance" which would be not paying the full statement balance in full by the due date. Feel free to pay multiple times per month if you want but no need to pay it down to zero before the cut date from the creditors perspective.
Message 9 of 14
takeshi74
Senior Contributor

Re: AMEX questions


@axledobe wrote:

When I opened the email, I saw it said "Optima" as the account.


Not unusual.  I've had the same for at least one of my AmEx cards as well.

 


@phillyguy12 wrote:

if the low limit and high rate had anything to do w/ it.


Anything to do withe "Optima" showing up?  My limit is high and my APR is low so that wouldn't seem to be the case.

Message 10 of 14
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