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@jcstarkey8826 wrote:
@dude11 wrote:People here seem to put some banks or credit card companies on a pedestal such as Amex. At the end of the day you have to remember they are all the same. GREEDY!
Indeed. I can't say I wouldnt do business with them because of this. It does make me think twice about it though. Only because I was already on the fence. If I could clearly see the value of an AMEX I would get one in the future, but not seeing the value and companies that get fined that heavily... i'll stay away for now. I've worked for banks that have been fined heavily and was able to witness their greedy ways. Many people will love the product and company, while many will be in another boat. I just choose what makes sense to me and hope for the best haha
Amex offers some good cards with no AF's, such as the HHonors card, blue sky card, blue cash, and costco.
@dude11 wrote:People here seem to put some banks or credit card companies on a pedestal such as Amex. At the end of the day you have to remember they are all the same. GREEDY!
I find a card that pays more then merchant fee's and I stick with it. I have never paid the bank any fee's or interest charges. At the end of the day, I am a deadbeat to them. They still offer me great customer service, they probably just hope that one day I open a mortgage or something long those lines with them.
This will have an impact on their so called blacklist as according to the agreement they will have to make pre-approval offers to certain customers who were denied credit based on a long overdue debt. Interesting indeed....
@Sladyesq wrote:This will have an impact on their so called blacklist as according to the agreement they will have to make pre-approval offers to certain customers who were denied credit based on a long overdue debt. Interesting indeed....
It will not really have an impact on their "Black List" at all. What Amex will have to do in the future is to state that a settlement of debt for less then the balace owed may impact futire credit decisions with Amex.
@Duncanrr wrote:Also, don't forget the recent Wells Fargo settlement for alleged racial discrimination.
I imagine that these types of stories are just one reason why FICO scores were invented. While not condoning these actions, discrimination occurs everyday. Unless its a pattern or practice of behavior on the part of the lender then I'll not hold it against them. AMEX and WF have both been good to me so far. I have heard horror stories from others (close friend had a disaster of a loan closing on his house with WF) but I'll try not to judge a lending institution on the basis of a few bad actors.
I NEVER KNEW THAT ABOUT WELLS FARGO! Will not be banking with them now or in future. That is just wrongg!