@racer-x wrote:Man o man....just got my Fidelity Amex....Called in to activate....Talked to a very nice lady....
Card activated.
CSR continued to give me my nice 13.99% rate, 0% BT til April 2016 info, etc....She asked if I was interested in BT. I said hellyea but not with only 3500 limit.
She asked if I would like a CLI request...I said ONLY and ONLY and ONLY if its a SP...She said we will review the report that was pulled last week for the approval and it is good or 30 days. It will NOT be another HP on youur credit. We will use the same report for any of our necessary reviews of your account for 30 days.
I questioned this, not once not twice not 3 times, but at least 4....
She went on to explain how when shopping for auto loans and you get 15 inq's that they're only counted as 1...yada yada yada. And reviewing my account/report falls into that same type of category...
I asked again, are you absolutely sure it will be a SP and not HP on my credit? Oh absolutely sir, we will review the same pull from last week that was used for your approval.
I told her how insanely protective I am of my credit score...how I want to buy a house in 6 mos and I need the highest scores possible, etc....Absolutely sir, this will NOT be a HP on your credit.
This was a 25 min phone call to get activated and for me to be reassured that it was going to be a SP.
I knew in my heart of hearts that it is always a HP....but this sweet ole lady had me convinced....Maybe I got the perfect CSR...Great, they're gonna look at my best report again, EX....$15k SP CLI here I come!!!!
Ok....go ahead then.....10 mins later, HP alert on TU. WTfrig.
Called CSR #2, he felt my pain....agreed that the lady messed up...suggested I just sit tight and see what the CLI request results are, and then proceed with an escalation of the situation. He made sure I knew that all the calls are recorded and they will be able to do a 'call pull' to see exactly how CSR #1 handled my call and what she told me, which was obvious misinformation.
Can't believe I fell for the blue hairs' trick. She was so sweet and polite.
Hopefully you get a CLI for your troubles. Perhaps even ask them to remove the inquiry from TU. A long shot, but worth a try.
+1 to what the OP says. I called in the other day to see if I could get an APR reduction, after seeing someone on here go from 13.9% to 10.9%. The rep told me all kinds of incorrect information. First, he said that 13.9% was the lowest APR offered on this card (not true). Then, he said that the card is currently being offered at a higher rate (15.9%)), which was also not true. I got a survey from them a couple days later, so I responded and told them all about this misinformation.
$7.5K 
$23K 
$5k 
$300(SEC) 
$500 
$300 
$1,500 
$800 
$800
FIA/BoA speak with forked tongue.
