- Centurion Member
- Posts: 630
- Joined: Thu May 10, 2012 10:10 pm
- Location: North Los Angeles County
99- Yeah, pretty much messing around with that button is begging for an FR. I have a friend whose dad makes about 120k+ a year and he travels a lot. They went to Vegas for 3 days for fun and my friends dad brought only his PRG and CSP (my friend was telling me AMEX can be a PITA.) So anyways while going to dinner one night the card already had like 4,900 balance (not all from Vegas) and when they tried to pay for their food, it kept getting declined. It turns it was only 5k that he could charge. Thankfully the were able to pay with his other card...or else it would have been a nightmare. So I agree, it's better to have a conventional lender as well, at least you have a CL instead of never knowing when your card might get declined or not. That's why when I got my PRG I started entering small amounts and got approved to 400$ (no I'm not messing with it anymore). And yes it does get you noticed, and not in a nice and pleasant way either.
No problem RR, It was just something I learned with having other issuers in my pocket. Like with BOFA card, I've charged amounts of 100-600+ on there with no problems, and paid it back with no problems. Same with Citi, I've charged nearly 1,100 (only had the card for a month) and I've never had issues because I've always been able to pay it back and before the statement cuts. I think what really triggers these FR's is when people start charging copious amounts on their cards. Like say for example you make 90k a year, and all of a sudden one month you charge 7k and then 6k, and then 4k, you have to be consistent and spend within limits (like 1-2k a month if you can) and not spend like no tomorrow, I mean they are going to be alarmed at the fact that how are you going to pay your other bills too. And I agree, I'm not letting them see my finances over a card, if they didn't want me, then they could have chosen to decline. So yes, I'm doing my best to stay under the radar. And they never send me offers....
Because look, Amex is really meant for people who travel a lot who have excellent credit. They are also meant for people who travel for business often or for people who are financially stable and with a decent income. I just don't like the fact that I would have to send over my 4506T just so I can have one of their cards, It's not worth it for me. I can do pay-stubs and bank statements, but not that.
Good luck again, and let us know how everything turns out.
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.