So much for so called great Amex customer service.

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
popamode72
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Postby popamode72 » Thu Sep 25, 2014 7:25 pm

That's completely crazy of them. Sometimes, people need to face facts and get some tough love on their situation. Otherwise they're just gonna keep on making the same mistakes over and over again with their credit.

A big influence on me and why I wanted to have good credit in the first place is growing up and seeing what it's like for people in my family to have bad credit and what a huge impact that can have on all sorts of things. My mother had to make these bothersome payments on some title loan she took out and that was quite a pain to witness. She had also had several collections and got screwed over by those First Premier credit cards many years ago. My family also had to also deal with a foreclosure about over a year and a half ago and the lender involved was Chase. I think the mortgage was under someone else's name in my family though.

Also, seeing an older sibling of mine fall behind on her auto loan payments for this car she used to have that I think the company was threatening to repossess and basically really damaging her credit that way and accumulating a lot of student loan debt as she's starting grad school and all. She still decided to take out an auto loan and got some low limit cards to rebuild and I didn't want to have to go through any of that and make the same mistakes that they all did.

Anyway, I find it really interesting how apparently you couldn't be honest about the Sallie Mae and the Upromise cards. I always thought that Sallie Mae was always this card a lot of people wanted. 09Lexie from that description sounds extremely paranoid and not someone I'd want to deal with ever.
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MemberSince99
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Postby MemberSince99 » Thu Sep 25, 2014 7:27 pm

Your "problem" otter or problems there are first you are honest and tell it like you see it. If you don't always see it the way they do, they prefer to deal with that sort of thing by banning. Second, you did not kiss their ass. Some of the mods and "community leaders" on there have huge "Napoleon" complexes and they will not hesitate to tell others to play nice while protecting their buddies and laying the ban hammer on those they don't like or agree with (and the ones who preach about being nice are usually the biggest a-holes when someone disagrees with them).


I seldom even go there anymore I was completely away for damn near a month, and when I recently checked everything is NASA this and NASA that.


As far as this guy goes he's an obvious troll. 2 days ago he's talking about how Chase sucks donkey balls and we should get Amex, now it's Amex blows even harder than Chase. It's funny to a degree I personally enjoy a bit of sarcastic humor he just doesn't seem to know when to quit with it and that's what makes him annoying. I don't know if he will get banned from here, but I can tell you if he made the same sorts of posts on the other site he'd be banned soon enough if he managed to annoy a mod or a mod's buddy with it.

EliteQueen92
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Postby EliteQueen92 » Thu Sep 25, 2014 8:02 pm

fixmycredit92 wrote:I am still on my Experian App spree and decided to apply for the Dillards American Express Card. I went to the Amex website and I couldn't find the card so I guess American Express don't issue Dillards cards anymore so decided to apply for the green card. I got a message which said they would let me know in 7-10 days that is usually been good news for me. On myfico I have heard that after the first amex every app is a soft pull so I went on an Amex spree. I next applied for a Gold card and was denied. I decided to apply for every Amex card until they approved one they will HAVE to approve me if I bother them enough! I went for the Platinum and was denied. Then I went for the Delta Gold and the Costco card and was denied for both.

I then went for the Jet Blue which is a card Ive wanted for a long time. It would not let me apply. I called them up at amex and they said I applied for the maximum number of cards allowed in one day. I was MAD! And then I checked my credit report on myfico and saw THREE hard pulls, I WAS FURIOUS! I called them and asked what was going on. They said that you have to be approved for a card and then when you apply and are denied it is a soft pull. I told them that's not what I heard and the analyst got SNOTTY and said amex uses the most recent soft pull for card members when denied as a courtesy for cardholders and that doesn't apply for nonmembers. He gave me some CRAP about anytime new credit is applied for, they can hard pull even for card members who are denied, but they usually don't for cardmembers but always a hard pull for non members.

THIS IS NOT FAIR! and I threatened to call the BBB on Amex. He finally said it should really be only TWO not THREE hard pulls since they were all done in one day. One for the charge cards and one for the credit ones.I am going to dispute all the charges with Experian and will make those go away. I then asked him about the Dillards Amex and he put me on hold. He said they do not issue an Dillards Amex and as far as he knows they have not since he has been there. He said maybe it was a third party issuer but I know that is not true since I have seen the Dillards card and know it is not a VISA or MC. What an IDIOT!!!

I did not know it was possible to be worse than Chase customer service but I guess Amex is.They are worse than fingerhut!!!



When will you learn? :confused: :rolleyes:
You are DESPERATE for any card in your wallet and these credit card companies know that with your needless applying for just anything. You wasted time applying for all Amex cards when I can guarantee you that you were just wasting your time since you wouldn't have gotten approved. You think customer service is being snotty? They are sick of dealing with desperate credit people who argue when they don't get their way. Start gardening NOW. I have only applied for two Amex cards ever in my life and I've been approved for both. :)

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djrez4
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Postby djrez4 » Thu Sep 25, 2014 8:37 pm

Wow. Didn't see this coming, at all.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]

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FastSRT8
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Postby FastSRT8 » Thu Sep 25, 2014 8:59 pm

Ok... FIRST,

The saying "if at first you don't succeed, try and try again" DOES NOT apply in this case!

OMG.... dude, you are killing your own score.
Carpe diem quam minimum credula postero!

EliteQueen92
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Postby EliteQueen92 » Thu Sep 25, 2014 9:23 pm

FastSRT8 wrote:Ok... FIRST,

The saying "if at first you don't succeed, try and try again" DOES NOT apply in this case!

OMG.... dude, you are killing your own score.


He doesn't care.. he thinks he can get "past the system".. he thinks if he applies a million times they'll get sick of him applying and have to give him a card.. or he'll just call and argue with reps to get what he wants. Who wastes all those pulls with every card one company has to see if they'll give him a card????

takeshi
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Postby takeshi » Thu Sep 25, 2014 9:36 pm

fixmycredit92 wrote:He said they do not issue an Dillards Amex and as far as he knows they have not since he has been there. He said maybe it was a third party issuer but I know that is not true since I have seen the Dillards card and know it is not a VISA or MC. What an IDIOT!!!

http://www.dillards.com/information/ge-splash
[color="red"][SIZE="7"]The Dillard's American Express® Card is issued and administered by GE Capital Retail Bank.[/size][/color]



popamode72 wrote:Please. Someone should really ban this guy because now this is just getting annoying as hell.

If you don't find FMC's posts amusing try this:
Settings->Edit Ignore List

popamode72
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Postby popamode72 » Thu Sep 25, 2014 9:50 pm

takeshi wrote:It's completely fair. It's called the consequences of ignorance and failure to perform one's proper due diligence. Good luck with the BBB complaint and dispute but you won't get what you want from those either.


Pot, kettle. You don't seem to understand what "know" means either. Dillard's AmEx is not issued by Centurion bank just as all of the following AmEx cards are not issued by Centurion bank (this is not an exhaustive list):
http://www.nerdwallet.com/credit-card/category/american-express

Quick Googling also turns up this:
http://www.dillards.com/information/ge-splash



If you don't find FMC's posts amusing try this:
Settings->Edit Ignore List


That's much better. Thank you for that recommendation.
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thom02099
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Postby thom02099 » Thu Sep 25, 2014 10:22 pm


[color="red"]So many jokes....so little time...![/color]
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Heisenberg118
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Postby Heisenberg118 » Fri Sep 26, 2014 9:12 am

fixmycredit92 wrote:I decided to apply for every Amex card until they approved one they will HAVE to approve me if I bother them enough!


This made me chuckle a little bit.



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