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@Anonymous wrote:When it was time for me to grow up financially I got an AMEX green card. It's been very good for me, as the PIF forced me to live within my means. I took all of the other cards out of my wallet and only carried the AMEX and my debit card, so I knew that eveywhere I went I would be able to pay for stuff.Their customer service really is great. When I was moving two years ago I was putting everything on the AMEX, knowing I would soon be reimbursed by my company. When I started to get to the point where they wouldn't extend any more credit (I'm surprised they let me charge as much as they did) a person called me and let me know that I shouldn't try to use the card, to "avoid embarassment." Any other card would just let you find out you'd reached your limit the hard way, methinks.
@Anonymous wrote:
There really isn't anything special about American Express. They used to be considered top notch, but their standards have been lowered greatly - not trying to offend anyone here as I also got an AMEX with a less then great FICO.
At this point it's a toss up. They have probably the best customer service of ANY CCC. They also have the worst financial review dept of any CCC. They are very generous with CLIs but they slap you with an F/R and take it right back - haven't had it happen to me YET.
I think the general public still considers AMEX a CCC ONLY for people with great credit which is no longer the case. I think it really stopped being the case when they went public and had to start impressing Wallstreet.
BadCreditBobby wrote:
---------------------------------------------------------------------------------FICO scores alone, most people can get approved for these Amex CCs with a score of 625 and no BK on their credit reports:---------------------------------------------------------------------------------I had to settle with Amex 4 years ago. Now my score is 628, do you think I can apply now or should I wait till it goes a bit higher......
Amex does have a blacklist. Since you settled you may be able to call customer service and see if they will offer you the optima. Sort of their come back to us card. The way the car works is that it is opened with whatever reamining balanceyou owed and once you pay it off you may be upgraded to a better card with them.s far as Amex is concerned.... used to drool but will stay as far away as I can. Don't have time for F/Rs don't even have time to eat half the time. Have cards that offer competitive rates and better rewards for what I need such as cash back.
fico12 wrote:
I didn't think AmEx PIF's hit your credit report. I have one through work, but it is in my name and I am legally responsible for everything that hits it... yet it isn't on my credit report.