Best way to apply: online, phone, or mail?

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Best way to apply: online, phone, or mail?

Postby hammerandnails1859 » Fri Oct 24, 2014 10:57 am


From everyone's experience is it better to apply online, over the phone or via mail? I've decided to apply for the BCE card as they've been loading my mailbox down for weeks now with offers and the $250 cash back seems to be a good deal.
Thanks in advance and this is my first post!

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Postby PlyrStar93 » Fri Oct 24, 2014 12:32 pm

In my opinion applying through mail is the worst, as:
1. the mail can get lost halfway
2. it takes a lot of time for the mail to arrive to them, and maybe extra time for Amex to fetch the mail and process it, which can cost your patience; also remember they may have to mail you back the decision
3. as it is slow in mailing, the offer can expire if you do not mail timely, and your credit file may change and no longer meet the original criteria used to give the offer

Back to my experience, I applied for this offer through the phone which I think is the best, so I can get to a live person to ask whatever questions they can answer. If you have some special requests you may also talk through the phone. You should have better chance getting an instant decision when talking on the phone than online.

Applying online does not have that flexibility, but that's not too bad. At least the transmission is secure and you don't have to worry about mails getting lost and your identity getting stolen (unless your computer has some malware...).
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Postby hammerandnails1859 » Fri Oct 24, 2014 1:17 pm

Thanks! I was leaning towards applying via the phone and will give it a shot.

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Postby hammerandnails1859 » Fri Oct 24, 2014 1:41 pm

Well that was simple enough over the phone. Took about 10 minutes and I was approved for a BCE card with a starting CL of 7k!

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Postby Vattené » Fri Oct 24, 2014 1:41 pm

My personal preference is online, though I have never tried it over the phone. I figure whoever you talk to will basically just be reading the online form anyway. Your targeted offer should have some sort of RSVP code, so you can still get the $250 bonus through any application method. I do get PlyrStar93's point, but I just applied for an Amex earlier this week online and I used their online chat function to ask a few questions. It was super fast and convenient, plus the CSR offered to stay online with me until I completed and submitted the application. Maybe you would prefer a live person after you get accepted just to comfirm you will be getting the special bonus (once you meet the spending requirement, of course).

If you feel you will make good use out of the BCE you should jump on that offer. I don't know if there are any higher targeted BCE offers floating around, but $250 is a great introductory bonus. The standard is just $100 and even the BCP is only $150, so it sounds like they want you pretty bad. You can't really go wrong with any application method (though I agree mail is the worst and least convenient by a long shot), so use whatever you are most comfortable with. Good luck!
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Postby luvbullmarkets » Fri Oct 24, 2014 2:34 pm

I always applied online with the exception of the Propel 365 card. For the Propel I had to call and apply since it was prior to the card being released to the public.

I saw apply online and only call if you have questions.
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Postby Jarrodpd » Fri Oct 24, 2014 3:59 pm

Also for future reference for anyone else that reads this, apparently if you are not 21+ you can't apply via phone. I don't know if its true because a year and a half ago I applied for a USAA card via the phone. Maybe the law changed since then or Amex has rules in place.
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Postby djrez4 » Fri Oct 24, 2014 4:35 pm

When it comes to Amex, I think applying in person is best.
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Postby popamode72 » Fri Oct 24, 2014 4:53 pm

Here's my take on this.

I like how with applying online, there's sometimes the chance that it will tell you right away if you got approved or denied for the cards. Several of my approvals have been instant such as with my Discover and Barclay cards. On the Barclay card, I was even able to see how much I got as a CL.

If you can apply for a card directly at the bank, then sometimes they might have offers that you may have not have been as likely to get online sometimes. I know a representative at Chase told me something about this. There are also other cards I've heard about where it can be beneficial to apply for them in person.

I can't speak for mail or phone because I've never applied for any card through that.
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Postby supercoolman » Sun Oct 26, 2014 12:11 am

I find person on the phone to be slow most of the time. took me less than a minute to apply online, but 15 minutes minimum to apply over the phone. dislike the part where people over the phone must read all the T&C before taking the HP and after HP if approved.

with special need - phone
no special needs - online

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