So much for so called great Amex customer service.

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
25 posts
fixmycredit92
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So much for so called great Amex customer service.

Postby fixmycredit92 » Thu Sep 25, 2014 5:51 pm

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!!!


popamode72
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Postby popamode72 » Thu Sep 25, 2014 5:54 pm

I feel like laughing like Nelson from The Simpsons. What's next dude? You're gonna try getting a Centurion by applying for some Amex Serve cards? Since you seem like a wise guy and all, how about apping 100 times for a Chase Sapphire Preferred in one day? I'm sure you'll get it at this rate.

Please. Someone should really ban this guy because now this is just getting annoying as hell.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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otter
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Postby otter » Thu Sep 25, 2014 5:58 pm

For once I am speechless. I don't even know where to begin...

fixmycredit92 wrote: What an IDIOT!!!


Pot. Kettle. Black.
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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lobbythis
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Postby lobbythis » Thu Sep 25, 2014 6:06 pm

Ban ban ban ban ban ban...


Does this forum actually have moderators or what? I'm surprised nonsense like this is allowed. It's not different than many out of control spam bots I find on other unregulated forums and it's incredibly unprofessional. Have some respect for your forum. I like being here far more often than other places because every member here seems to be clear, concise, have goals, wants to learn and everyone engages each other in mature discussions.

ALL EXCEPT FOR THIS F*CKING JACKASS FIXMYCREDIT92.

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otter
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Postby otter » Thu Sep 25, 2014 6:10 pm

popamode72 wrote: You're gonna try getting a Centurion by applying for some Amex Serve cards?

The serve is a giant step towards backdating and the Centurion, but OP should really go for the Bluebird card. It's blue like the Jet Blue card OP covets so much.

popamode72 wrote:Please. Someone should really ban this guy because now this is just getting annoying as hell.
How the hell has he avoided being banned on fico (assuming he is the same clown)? Oh yeah, they don't banish real trolls- they only ban people for stupid reasons. (Of course... I may have rejoined fico but not as "otter" but as another mustelid. ;)
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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PlyrStar93
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Postby PlyrStar93 » Thu Sep 25, 2014 6:17 pm

otter wrote:(Of course... I may have rejoined fico but not as "otter" but as another mustelid. ;)

I wonder if this is even possible. I mean for the first account they already took down your information like SSN, I wonder if it's possible to create another.

fixmycredit92 wrote:I did not know it was possible to be worse than Chase customer service but I guess Amex is.


fixmycredit92 wrote:Forget about Chase, Amex is better anyway.

:eek: :eek: :eek:
So what's next?
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

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otter
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Postby otter » Thu Sep 25, 2014 6:26 pm

PlyrStar93 wrote:I wonder if this is even possible. I mean for the first account they already took down your information like SSN, I wonder if it's possible to create another.


If you register from the fico front page they ask for your ssn. If you register from the forum they don't ask. From the front page, they are selling credit products which require your SSN. If you just want to join their forum, I'm not sure of the ethical/legal ramifications of asking for your SSN.
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

popamode72
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Location: Atlanta, GA

Postby popamode72 » Thu Sep 25, 2014 6:48 pm

Whatever they banned you for was probably for really stupid reasons for sure but when FMC makes a thread there, criticizing him directly is frowned upon and gets the thread locked by 09Lexie basically.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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CarefulBuilder14
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Postby CarefulBuilder14 » Thu Sep 25, 2014 7:00 pm

From the title, I thought this was a serious thread until I saw the OP. The OP's posts are always nonsense. This website would be a lot better without the garbage.

But, the OP isn't spamming or sending advertisements. I don't know if trolling constitutes fighting or harassment, although it is rude. If we can't ban the OP, we can ignore him/her. I have read my last post from fmc92 and will ignore all others. I suggest you do the same.

He or she puts effort into the long posts. Let's make that effort go to waste.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

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otter
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Postby otter » Thu Sep 25, 2014 7:13 pm

popamode72 wrote:Whatever they banned you for was probably for really stupid reasons for sure but when FMC makes a thread there, criticizing him directly is frowned upon and gets the thread locked by 09Lexie basically.


I was pretty much honest... one thread was in the rebuilding subforum. There was a girl who had been a member for five years and was rebuilding for the tenth time... after a quick review of her post history it was obvious to me she was going in circles and needed to take time off from "rebuilding" and rethink her entire financial picture before attempting to get back into the credit world. So instead of cheerful "way to go" messages, I told her what she needed to know even though it wasn't what she wanted to hear. Myjourney accused me of "attacking" her. I then put MyJourney on ignore, but a few days later I was personally attacked for saying the Sallie Mae was better than the Upromise (which looks good on paper but is pretty useless). I then posted a rebuttal (which wasn't an attack unlike the one I was answering) and the next post was a quote of my post by MyJourney with the reply "let's be nice". I was nicer than anyone else in that thread so I don't know why I was singled out. So I replied to MJ's post saying "What good is an ignore button if I can still read posts by those I ignore?" Lexie (who didn't like me because I made fun of the garden in my signature) threatened to ban me and I asked why- "Because I used the ignore button your site provides to filter out users whose opinion I don't value, and then ask why it's not working?" And that was 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



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