UPDATE! Amex questions moving limits and CLI's

[Poppa]

I won't apply if I don't get the 0%. I'm going to call I guess but I'm not sure which department to deal with. Underwriting? Credit Analyst? So just for background I just did a BT from my wife's credit to mine for $2500 to my Discover and I have a BT on my freedom card from April for $2500. Other than that I haven't gotten any cards since 2 last November. I have $133k total limits and $6000 total balances atm. 

[Anonymous]

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@CreditCuriosity wrote:

Strange thing is I got this on my business simply cash being the pop-up, but they still gaveg me the 0% apr intro...  So not sure what to think.  Granted a bit of a different question, but regardless had the apr verbage in pop-up and wanted it anyways, but do indeed have a 0% apr and using it currently for a new tv for floating free money for 5 months.  I did have the old version of the simply cash though so maybe considered the same as well, but regardless got the 0 apr.

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Now this is a bit shifty to popup and then give the 0% anyway.  It's a positive but, when you're tyring to decide on a large $ BT and rolling the dice on 0% or 17% is a big difference.

[Anonymous]

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@Poppa wrote:

I won't apply if I don't get the 0%. I'm going to call I guess but I'm not sure which department to deal with. Underwriting? Credit Analyst? So just for background I just did a BT from my wife's credit to mine for $2500 to my Discover and I have a BT on my freedom card from April for $2500. Other than that I haven't gotten any cards since 2 last November. I have $133k total limits and $6000 total balances atm. 

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Whoever you end up talking to will probably have to open a ticket and send it over to the RAT group to investigate the issue.  Everything you've mentioned so far doesn't equate to denying the 0% terms to me.  But, I don't run Amex either. 

I didn' thave any issue back in Dec and the popup for me started in Feb.  

[Poppa]

Now they no longer show me the Magnet card at all even if I click 'all cards' as long as I'm signed in

[Anonymous]

Yeah, they do that, but, if you go to the card page in incognito mode the card will show up as long as you don't login.  I had the same issue finding the CM when I wanted the free money.  

https://card.americanexpress.com/d/cash-magnet-credit-card/?utm_mcid=3572101  Looks ike they upped the SUB on it as well.

[Poppa]

Do you think it matters if I use the pre approved while signed in app over the not signed in incognito app? Will signed in app be a SP and the other be HP?

[Anonymous]

Doesn't matter.... the system matches your info up before "submitting" and codes it as a SP.  I've hit submit while dealing with the popup issue... and it popped up w/o signing in while incognito due to a match of info.  I had also tried incognito, hitting apply to lock the SUB and open another tab to login, refresh the original app tab to get the 4 box version w/o having to form fill the app completely.

[M_Smart007]

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@Poppa wrote:
Do you think it matters if I use the pre approved while signed in app over the not signed in incognito app? Will signed in app be a SP and the other be HP?

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I would definatly call, a CSR might have a work around to your issue.

I got results by calling in, that i could not get online. YEMV