Apply for credit card over the phone?

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bmw1990Z
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Apply for credit card over the phone?

Postby bmw1990Z » Mon Apr 09, 2012 5:41 am

I was wondering what the advantages are (if any) of apply for an AMEX card over the phone? I just saw on their website where you can do that instead of filling out all the paperwork..Thoughts?
Cards in my wallet:
-Citi Forward Card for College Students-July 2011
-American Express Platinum Delta Skymiles--July 2013


CC Deville
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Postby CC Deville » Mon Apr 09, 2012 4:22 pm

The only benefit I could see over the Internet is that you could let them know right away that you are or were an existing AMEX member. That way there are no issues with backdating.

Otherwise, applying online is great because you can get an instant approval or not be embarassed if declined.

Money card
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Postby Money card » Mon Apr 09, 2012 10:40 pm

bmw1990Z wrote:I was wondering what the advantages are (if any) of apply for an AMEX card over the phone? I just saw on their website where you can do that instead of filling out all the paperwork..Thoughts?


I would have rather fill out the paperwork but they don't put applications out in stores or airports anymore.


bmw1990Z
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Postby bmw1990Z » Mon Apr 09, 2012 11:33 pm

except for some store cards..(who wants those..) i was just curious what people thought.
Cards in my wallet:

-Citi Forward Card for College Students-July 2011

-American Express Platinum Delta Skymiles--July 2013

starfish
 
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Postby starfish » Tue Apr 10, 2012 12:37 am

I don't usually do that.

Celestine
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Postby Celestine » Tue Apr 10, 2012 8:16 pm

bmw1990Z wrote:I was wondering what the advantages are (if any) of apply for an AMEX card over the phone? I just saw on their website where you can do that instead of filling out all the paperwork..Thoughts?


I'd stick to paper and pen or via AMEX official website.

Heck, most companies always gets my name wrong because of my two-word first name. So applying via phone is not an option for me. The name and format on the applications are correct but when I receive my card or statement, either they make my two-word first name as one word or they use the second word of my first name as my middle name; and to think that I already indicated on my application my middle name (mother's maiden family name) or middle initial and they still get it wrong.

Advantages: Not sure if there are any since I am one of those "security freak" who would hesitate to give any sensitive information over the phone.
"Nearly all men can handle adversity, but if you really want to test a man's character - give him power." - Abraham Lincoln

JCarter
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Postby JCarter » Fri Apr 13, 2012 4:31 am

Celestine wrote:I'd stick to paper and pen or via AMEX official website.

Heck, most companies always gets my name wrong because of my two-word first name. So applying via phone is not an option for me. The name and format on the applications are correct but when I receive my card or statement, either they make my two-word first name as one word or they use the second word of my first name as my middle name; and to think that I already indicated on my application my middle name (mother's maiden family name) or middle initial and they still get it wrong.

Advantages: Not sure if there are any since I am one of those "security freak" who would hesitate to give any sensitive information over the phone.


You can always apply online, and call in with a reference #.


PopiLopi
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Postby PopiLopi » Sun Apr 15, 2012 6:15 pm

The good thing about applying over the phone is that you can get an answer right away if the application needs further review. I lost my wallet a few months ago and had a fraud alert on my credit report so I knew I was not going to be approved on the spot online. I called and they had to call my bank to verify the mailing address matched the one on my checking account. The whole process took me about 1 hour on the phone but I got a approved for the Zync, my first amex!
Amex: Business Platinum (09/12) BCP $10,500 (03/13)
Visa: Capital One Journey $750 (04/11) Chase Freedom $1,800 (04/12)
MasterCard Citi AAdvantage Platinum Select $8,500 (05/13)
Discover: Discover It $2500 (07/11)
Store Cards: Amazon $3900 (12/11) Macy's $500 (04/11) Kohl's $500 (05/12) Victoria's Secret $750 (11/12)

Philosophuer
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Postby Philosophuer » Mon Apr 16, 2012 6:45 pm

Online is best because it spares the embarrassment, I don't care what anyone says, any type of decline is kind of embarrasssing. Also online you get a ref number then you can call the underwriting department for a second look.



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