amex counter offer

American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
irvine801
Centurion Member
Centurion Member
 
Posts: 329
Joined: Thu Jan 19, 2012 6:26 pm
Location: Salt lake city, UT

Postby irvine801 » Fri Feb 03, 2012 11:26 am

500 limit is weak... Oh well. I just put my foot in the door with amex. I'm a happy camper. Can anyone answer my statement credit question lol
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit


4Runner
Centurion Member
Centurion Member
 
Posts: 148
Joined: Tue Aug 16, 2011 7:33 pm
Location: Pleasanton, CA

Postby 4Runner » Fri Feb 03, 2012 12:28 pm

Irvine801,

500USD might sound low, but there is good way to get a higher credit limit quite fast. Let say if you spend like 1500USD every month, you can make a 1000USD payment to your card in advance, that way you already have 1500USD credit limit, then use it to pay for all your expenses, if by any chance do you go over your real credit limit (500USD), pay the difference, that way, you used your full credit limit and you paid for it, plus you prove to AMEX that you are capable to handle a higher credit limit and were able to pay for it. They will increase your credit limit with no hesitation. I already did once, and it works, and other member of the forum did the same thing to by his laptop using the same method and AMEX increased his credit immediately.

irvine801
Centurion Member
Centurion Member
 
Posts: 329
Joined: Thu Jan 19, 2012 6:26 pm
Location: Salt lake city, UT

Postby irvine801 » Fri Feb 03, 2012 5:39 pm

Nice. I always pay my Chase card in full so yeah. About 6-900 dollars a month so hopefully that's enough for the amex folks. (:
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

CC Deville
Centurion Member
Centurion Member
 
Posts: 1075
Joined: Thu Aug 04, 2011 7:07 pm
Location: Phoenix

Postby CC Deville » Fri Feb 03, 2012 6:30 pm

irvine801 wrote:Yeah deville I agree but I guess its better then nothing. Thosewere the exact offers I was given and now I'm awaiting them to call me or a message saying I'm approved. They just need me bank info for the approval and I just faxed it in today so hey , 6 months wont be to bad . Do u think ill be able to remove the auto debit after? I hate auto debit but I agreed to it only because I really want an American express.


Sorry to respond late, your post was pretty popular. Like others have said, usually within 6 months to a year they will remove the $500 hard limit. And yeah, once they remove the hard limit you would be able to call and have autopay removed. You made a great decision by accepting the offer.

adavis425
Green Member
Green Member
 
Posts: 11
Joined: Fri Jan 20, 2012 5:56 pm
Location: In my own world...

Postby adavis425 » Fri Feb 03, 2012 7:38 pm

irvine801 wrote:Bump. Ooxs, is it true u can't apply your rewards Points for a statement credit to your bill?


Amex will allow you to pay some items with points, but they require so many points that it doesn't seem worth it. Only certain categories are eligible too, like groceries, gas, etc. So a $30 charge will cost you 300 points, a $300 charge will cost you 3000 points, etc. HTH!

irvine801
Centurion Member
Centurion Member
 
Posts: 329
Joined: Thu Jan 19, 2012 6:26 pm
Location: Salt lake city, UT

Postby irvine801 » Fri Feb 03, 2012 8:24 pm

Thanks guys! It's funny because they denied me but in the email letter It .offered me that 500 limit so I just need to fax my bank info and they will overturn it.makes me happy lol.
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

ooxs
Centurion Member
Centurion Member
 
Posts: 304
Joined: Sat Aug 13, 2011 9:38 am
Location: Michigan

Postby ooxs » Fri Feb 03, 2012 9:20 pm

Accepting this offer was excellent, as CC indicated, they will remove your limit and you will be good to go. I suggest you refrain from using points and allow it to accumulate, transferring all your points points to your next level account in a year or two with better rewards might give you more bang for your points.

About the drinks, i was thinking Fiddler's Elbow but it will just have to wait :)

irvine801
Centurion Member
Centurion Member
 
Posts: 329
Joined: Thu Jan 19, 2012 6:26 pm
Location: Salt lake city, UT

Postby irvine801 » Sun Feb 05, 2012 8:38 am

Bro!! You will have to come to salt lake city for those round drink!!
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

CC Deville
Centurion Member
Centurion Member
 
Posts: 1075
Joined: Thu Aug 04, 2011 7:07 pm
Location: Phoenix

Postby CC Deville » Sun Feb 05, 2012 3:53 pm

irvine801 wrote:Bro!! You will have to come to salt lake city for those round drink!!


A drink in Salt Lake? So, water??? LOL had to say it. Sorry.

irvine801
Centurion Member
Centurion Member
 
Posts: 329
Joined: Thu Jan 19, 2012 6:26 pm
Location: Salt lake city, UT

Postby irvine801 » Sun Feb 05, 2012 5:14 pm

Sadly its true :P alright guys let's meet in Vegas?? :D
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit



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