stpn2me wrote:Guys,Also, anyone know the difference between the USAA AMEX I have and one from the company itself? What can or cant I do with the one from USAA that I cant do with the one from the company? Which is better?Stpn2meTU - 686 EX - 684 EQ - 685
Sorry to hear about your AmEx turndown. I am surprised about the green card! I knew that the charge cards were harder to get, but I still thought that the greenie was doable. I have the identical set of lates, so I'm afraid that I have to thank you for doing my research for me.
After reading pretty much every single post here about AmEx for the last 3 1/2 months, I have decided to app for one in March, after my lates have their respective birthdays. But it won't be unless I have 720 x2 and EQ at 700 or above. I'm not sure why I'm bothering to do this, other than for the look-I-finally-did-it part, plus a little bit of the playing with fire attraction.
As for the USAA AmEx, the only thing that it doesn't do is give you access to the American Express rewards system. But I'm fine with the USAA stuff, it's one point per dollar on anything, the buyer protections are there, you don't get F/R'd (at least I haven't), the app and account maintenance are USAA, not AmEx, their CSR's are also great, you can reallocate your CL's between the MC and the AmEx (I think); it's taken everywhere a "real" AmEx is taken and not taken everywhere the others aren't taken. Umm, what else... your payment is credited when you make it, although it doesn't necessarily show up for a day or two on the screen, it reports the statement balance to all three CRA's, it's not a month behind... It's black, so sometimes the unenlightened might think it's a Centurion! 
Really, it's a great card. Along with the MC, it will grow your score and history for you, so that you can go out hunting again when your baddies have passed their birthdays. 