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American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
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onion
Centurion Member
Centurion Member
 
Posts: 262
Joined: Tue Jul 01, 2014 8:59 pm
Location: Jacksonville, FL

Postby onion » Tue Aug 19, 2014 4:29 pm

CarefulBuilder14 wrote:DONx3,

Capitalism and libertarianism are different from fascism.

Otter and others,

I agree that mistakes in the distant past should be forgiven, at least as far as creditworthiness (certain criminal matters like murder being well beyond the scope of this discussion). I just don't think bad behavior in the past (early 90's to the blacklist date) should be relabeled as good behavior and treated with honor.


Forgiveness typically means letting go of whatever a past mistake was... If a friend and I have an argument and years later forgive each other, we're not going to start our friendship over, we're going to start right where we left off before said argument.
FICO TU - 728 - 8/14
FICO EX - 716 - 7/14
FICO EQ - 740 - 7/14

Bank of America Cash Rewards - $2,400
Best Buy - $3,000
American Express Blue Cash Everyday - $8,000
American Express Everyday - $10,000
Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)
American Express Platinum - NPSL
Barclaycard Arrival+ - $3,000
Capital One Yamacard - $11,000


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CarefulBuilder14
Centurion Member
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Posts: 3753
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Postby CarefulBuilder14 » Tue Aug 19, 2014 4:57 pm

Amex isn't my relative or friend. She doesn't really love me. She may pretend to love me with a big (for me) CL and do nice things like give me free shipping, but it's only for my money, and I strongly suspect she'd go away if I was broke. That's business - not love or friendship

Since it's a business relationship at both ends, I don't see the same rules applying that I follow with friends, family, and lovers.

Edit: There is room in business for friendship and care - with coworkers, customers, and suppliers who you know will stick with you in hard times. I just don't expect any loyalty in hard times from Amex (or feel any is due in return). Or have people found Amex to be faithful for longer than other lenders?
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

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otter
Centurion Member
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Posts: 639
Joined: Sat Aug 24, 2013 8:45 pm
Location: Grand Forks, ND

Postby otter » Tue Aug 19, 2014 6:15 pm

onion wrote:WF is the most horrid excuse for a bank in my opinion. I have an oooold teen checking account with them that I never got rid of because it makes it easy for me to send money to my parents or for them to send me money rather than writing each other checks and whatnot. Its pretty nice that it helps you avoid those account fees. I'm gonna have to start doing research soon to see which bank will give me a free or cheap account once I'm out of university because there's absolutely no way I'm coughing up $12 a month just to have a debit card and a place to put my money.


I don't like WF either and I really don't know why I stay with them. Charles Schwab gets most of my direct deposit. No minimum, no fees, and all ATM fees reimbursed.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

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CarefulBuilder14
Centurion Member
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Posts: 3753
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Postby CarefulBuilder14 » Tue Aug 19, 2014 6:25 pm

The funny thing about WF is that for their size, they have a huge amount of money in checking and low-interest savings accounts. Obviously nearly all savings accounts pay a hair above 0% now, but even when rates were higher they were able to offer a lot less than other banks and people would still keep their liquid funds at WF.

I have never had any account with Wells Fargo, so I don't know how they manage to do it.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

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onion
Centurion Member
Centurion Member
 
Posts: 262
Joined: Tue Jul 01, 2014 8:59 pm
Location: Jacksonville, FL

Postby onion » Tue Aug 19, 2014 6:38 pm

CarefulBuilder14 wrote:The funny thing about WF is that for their size, they have a huge amount of money in checking and low-interest savings accounts. Obviously nearly all savings accounts pay a hair above 0% now, but even when rates were higher they were able to offer a lot less than other banks and people would still keep their liquid funds at WF.

I have never had any account with Wells Fargo, so I don't know how they manage to do it.


They do it by making it such a nightmare to leave.
FICO TU - 728 - 8/14

FICO EX - 716 - 7/14

FICO EQ - 740 - 7/14



Bank of America Cash Rewards - $2,400

Best Buy - $3,000

American Express Blue Cash Everyday - $8,000

American Express Everyday - $10,000

Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)

American Express Platinum - NPSL

Barclaycard Arrival+ - $3,000

Capital One Yamacard - $11,000

User avatar
otter
Centurion Member
Centurion Member
 
Posts: 639
Joined: Sat Aug 24, 2013 8:45 pm
Location: Grand Forks, ND

Postby otter » Tue Aug 19, 2014 7:12 pm

For some reason, Wells Fargo always treats me really well on the phone and in person. I don't know why because my checking account always has around $100 and my savings account always has exactly $300. It's just a local place to get cash if I really needed cash and couldn't use a credit card. Maybe WF sees the small amount I have direct deposited into my WF checking account and the fact that 10X as much goes into my 401k (my company's 401k is administered by WF and about six months ago they changed the interface so it now appears on my account summary page- so I know WF bankers must see it too). Maybe they realize that a small portion of my check (1%) goes in the WF account so they are hoping by being nice to me, I'll change it.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

User avatar
onion
Centurion Member
Centurion Member
 
Posts: 262
Joined: Tue Jul 01, 2014 8:59 pm
Location: Jacksonville, FL

Postby onion » Tue Aug 19, 2014 8:15 pm

otter wrote:For some reason, Wells Fargo always treats me really well on the phone and in person. I don't know why because my checking account always has around $100 and my savings account always has exactly $300. It's just a local place to get cash if I really needed cash and couldn't use a credit card. Maybe WF sees the small amount I have direct deposited into my WF checking account and the fact that 10X as much goes into my 401k (my company's 401k is administered by WF and about six months ago they changed the interface so it now appears on my account summary page- so I know WF bankers must see it too). Maybe they realize that a small portion of my check (1%) goes in the WF account so they are hoping by being nice to me, I'll change it.


They've always treated my family and I terribly. Its not even lower quality service for the lower net worth customers because my parents have the PMA account with them, and my old teen checking is a PMA as well since its linked to theirs.

That definitely sounds like something they'd do. Glad to hear they're at least nice to some people lol.
FICO TU - 728 - 8/14

FICO EX - 716 - 7/14

FICO EQ - 740 - 7/14



Bank of America Cash Rewards - $2,400

Best Buy - $3,000

American Express Blue Cash Everyday - $8,000

American Express Everyday - $10,000

Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)

American Express Platinum - NPSL

Barclaycard Arrival+ - $3,000

Capital One Yamacard - $11,000



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