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American Express forum. Talk about AmEx credit cards like Blue, Gold, Platinum, Centurion, and more.
chan35
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Postby chan35 » Sun Jun 23, 2013 6:49 pm

You don't get a copy of credit report, but they do send you your credit score with your welcome packet.
FICO Scores:
EQ 704
TU 789
EX 781 (via Amex on 6/11/13)


MemberSince99
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Postby MemberSince99 » Sun Jun 23, 2013 8:21 pm

chan35 wrote:You don't get a copy of credit report, but they do send you your credit score with your welcome packet.


They do, ONLY if you don't get the best terms (APR). If you do, no score. They gave me 12.99 % on my BCP and I was looking for the score and couldn't find it, then I did a search online and found it's their lowest APR so that's why I didn't get it.

jonheaps
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Postby jonheaps » Mon Jun 24, 2013 7:37 am

That is bad, I wanted to see my score as I got good limit, I must have improved my score over a year, so was really looking forward. I also got lowest APR. Isn't it a customer's right to get a copy of report whenever his/her credit report is pulled?

MemberSince99
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Postby MemberSince99 » Mon Jun 24, 2013 9:47 am

jonheaps wrote:That is bad, I wanted to see my score as I got good limit, I must have improved my score over a year, so was really looking forward. I also got lowest APR. Isn't it a customer's right to get a copy of report whenever his/her credit report is pulled?


Nope.

You get to see your report IF you are declined so you can dispute inaccuracies. If you are approved, that is not the case.

You also get to see yoru score IF you did not get the most favorable terms. If you did, they are not obligated to give it to you.

So basically if you are approved at the best terms, they don't have to give you anything but isn't that what you wanted in the first place?

Reclusive46
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Location: UK

Postby Reclusive46 » Mon Jun 24, 2013 10:03 am

Your American banks seem to be really stingy on credit limits compared to the UK. Some capital one uk credit cards come with a minimum credit limit of £10000 (About 15400 dollars)
Amex UK Platinum Charge Card
Amex Blue Cash USA
Amex US Gold Corporate Card
World MasterCard Capital One UK (Free abroad + Cashback + Free Cash Withdrawals with no interest)

MemberSince99
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Postby MemberSince99 » Mon Jun 24, 2013 10:11 am

Here you are hard pressed to find Cap One cards with limits that high. The "typical" Cap One card here is a rebuilder with a 300 or 500 limit to start, that will go to 500 or 750 max, and stay there for many years. They expect you to get something else once your credit has improved and these cards were never intended to grow with you (and normally don't).

So it must be a different thing over there.

Reclusive46
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Location: UK

Postby Reclusive46 » Mon Jun 24, 2013 10:35 am

MemberSince99 wrote:Here you are hard pressed to find Cap One cards with limits that high. The "typical" Cap One card here is a rebuilder with a 300 or 500 limit to start, that will go to 500 or 750 max, and stay there for many years. They expect you to get something else once your credit has improved and these cards were never intended to grow with you (and normally don't).

So it must be a different thing over there.


Capital one in the UK are bizarre. They are the low end credit building company and the high-midrange to high range cards. They are the only issuer of a MasterCard World Elite thats easy for the standard consumer to get (Some private accounts issue it).

They have also started to issue no foreign transaction cards, which is a rarity in the UK as well. They also issue the only reward cards that is also fee free abroad available in the UK.

They are also pretty much the only issuer that issues decent reward non-American Express branded cards. The other card providers are all starting to use Amex or Joint Amex cards where they issue a Visa and Amex card on the same account but the Visa card normally has a rubbish reward rate.

Only thing bad about Capital One is their shocking Indian customer service, they pretty much never go off the script. I was speaking to one agent that didn't even seem to know what a chip and pin credit card lol

I said we've only been using it for just over 8 years (Well the rest of the country was 7 years but where I live was where they trialed Chip and PIN).
Amex UK Platinum Charge Card

Amex Blue Cash USA

Amex US Gold Corporate Card

World MasterCard Capital One UK (Free abroad + Cashback + Free Cash Withdrawals with no interest)

jonheaps
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Postby jonheaps » Mon Jun 24, 2013 10:47 am

Yes I wanted that, but it would be nice to see the actual score as well. I havent seen my score, just the free credit reports, so was really hoping to get to see my actual score. Do AmEx entertain the request to share the credit report they used to make decision?

MemberSince99 wrote:So basically if you are approved at the best terms, they don't have to give you anything but isn't that what you wanted in the first place?

MemberSince99
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Postby MemberSince99 » Mon Jun 24, 2013 12:03 pm

jonheaps wrote:Yes I wanted that, but it would be nice to see the actual score as well. I havent seen my score, just the free credit reports, so was really hoping to get to see my actual score. Do AmEx entertain the request to share the credit report they used to make decision?


You can ask - the worst they can say is no. You can also ask for your EX FICO score they will probably give you that.

You can always buy your scores at any time, and once a year you have the right to a free credit report from each bureau.

MemberSince99
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Location: WI

Postby MemberSince99 » Mon Jun 24, 2013 12:07 pm

Reclusive46 wrote:Capital one in the UK are bizarre. They are the low end credit building company and the high-midrange to high range cards. They are the only issuer of a MasterCard World Elite thats easy for the standard consumer to get (Some private accounts issue it).

They have also started to issue no foreign transaction cards, which is a rarity in the UK as well. They also issue the only reward cards that is also fee free abroad available in the UK.

They are also pretty much the only issuer that issues decent reward non-American Express branded cards. The other card providers are all starting to use Amex or Joint Amex cards where they issue a Visa and Amex card on the same account but the Visa card normally has a rubbish reward rate.

Only thing bad about Capital One is their shocking Indian customer service, they pretty much never go off the script. I was speaking to one agent that didn't even seem to know what a chip and pin credit card lol

I said we've only been using it for just over 8 years (Well the rest of the country was 7 years but where I live was where they trialed Chip and PIN).


Cap One "customer service" (and I use the term loosely here) is a running joke in the US. You are doing well to understand them, but if you think about it, that's not really important anyway since they just read from scripts and what they are saying may or may not be relevant and may or may not be correct. You might as well ask your Magic 8 ball and use that for the answer. I've literally called them one day and asked a question and called the next day asking the same question and gotten a totally different answer each time.

It is as close to "Peggy" as you will find.

No one gets a Cap One for the great customer service.



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