Yippy!!! Got first Amex :) Zync though :D

[Anonymous]

Achase,

Wow!! Congrats, that is a really weird situation you were in....

I'm going to lunch now and mull this all over because the other card I really, really want is a Citi AA card because of my travels but I understand Citi is sensitive to inq. 

G

[Anonymous]

Jaystay, ty for the response.....

I think the person on the other line at amex just wanted me to apply, I did tell him I was doing good with my rebuilding,......

Call them and see what they say...I am curious as to why he would say that to me as I understand better now how Amex works as they use their own system to approve and not fico scores.

[ArisGreek]

Gypsy....

I have the Citi AA World MC. It's an okay card but it's not one of the best.  There aren't many benefits to it anymore aside from just 1 point per $1 spent and the benefit to AA. I'd look at other cards but if you fly AA a lot, go for it. Their redemption in other areas for non-flights upgrades is awful and you have to redeem them via points.com and they are NOT exchangeable for anything but magazines. It's kinda awful ;(

Feel free to PM or whatever for any other questions.

[Anonymous]

Congrads. The free 10,000 points are enough to make this card worth having for those free points are at least equal to 3 years of dues.

[Anonymous]

Update:  URGH, I should've waited, I was declined for the Green....

AMEX Aquisition Risk too high!!

My EX score is too low and the reason, public record ot collection filed...urgh!!

Now I have to wait another 6 months before I even apply for another card!

[Anonymous]

---

@Gypsystravels wrote:

Update:  URGH, I should've waited, I was declined for the Green....

AMEX Aquisition Risk too high!!

My EX score is too low and the reason, public record ot collection filed...urgh!!

Now I have to wait another 6 months before I even apply for another card!

---

So perhaps the CSR you talked was full of it after all...

Sorry for your denial

[Anonymous]

Yeah....

I actually had been waiting to apply for AMEX and was planning on applying sometime in February when I paid off a loan, but when I read everyone's scores and high util, I thought, I was preselected, why not!

Should have waited like I planned, now I have to wait until at least May or June when some of these other inq fall off, my accounts age a bit more and I have paid off my car loan and paid down my card util!

Darn, and triple darn!

Oh, and yeah, that csr was full of it

[Achase]

im sorry to hear that but u dont have to wait 6 month...just stud ur report and wait until the things that they mentioned have changed

[ibmrad7]

Gypsy,

            Why dont you try to Zync? Something is better than nothing.. right? They already pulled once, as someone here suggested me to try for Gold if its the same day.

[ArisGreek]

And if gypsy gets approved for Zync that proves the charge cards DEFINITELY have different criteria.