Just a little something that I got in the mail today...

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fantasy86dj
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Just a little something that I got in the mail today...

Postby fantasy86dj » Wed Dec 19, 2012 4:07 am

My first American Express!!

Image
Transaction account:

http://www.westpac.com.au/personal-banking/bank-accounts/transaction/

Credit card:

[url=http://www.nab.com.au/personal/credit-cards/velocity-credit-cards/nab-velocity-rewards-premium-card[/url]

Credit score: 636/1200 (current as of 5/21/2015)


sticf
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Postby sticf » Wed Dec 19, 2012 5:28 am

Congratulations! Have fun and welcome to the Amex Family.

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djrez4
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Postby djrez4 » Wed Dec 19, 2012 9:14 am

Nice. While you're here, tell us a bit more about Aussie credit cards. I know from your other thread, issuers have different standards for what they consider to be positive credit history.

Also - when you post a picture of your card, you should physically block the numbers with a Post-It note or the like. MS Paint (or similar) can be undone with the right software.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]


fantasy86dj
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Postby fantasy86dj » Wed Dec 19, 2012 1:17 pm

Djrez - I shall do that next time - thanks.

I have applied for AMEX 4 times in the previous 8 years however only just got in. Our scoring system works really different here - noone knows what their number is. In the case of AMEX previously I was getting rejected because my "internal score was not high enough".

One method that people do use is lowering limits on existing credit cards before applying for new ones so that high limits do not go against them if their income is mid range and that is what I did this time and it worked.

Now to start working towards the platinum charge ha ha !!

Thanks sticf :)

It's so nice to have member since 2012 on my card given how many days are left in the year.
Transaction account:

http://www.westpac.com.au/personal-banking/bank-accounts/transaction/

Credit card:

[url=http://www.nab.com.au/personal/credit-cards/velocity-credit-cards/nab-velocity-rewards-premium-card[/url]

Credit score: 636/1200 (current as of 5/21/2015)

CC Deville
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Postby CC Deville » Wed Dec 19, 2012 4:09 pm

Congratulations!

fantasy86dj
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Posts: 164
Joined: Tue Mar 02, 2010 6:47 pm
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Location: Australia

Postby fantasy86dj » Wed Dec 19, 2012 4:12 pm

Thank you. I am a very happy member.
Transaction account:

http://www.westpac.com.au/personal-banking/bank-accounts/transaction/

Credit card:

[url=http://www.nab.com.au/personal/credit-cards/velocity-credit-cards/nab-velocity-rewards-premium-card[/url]

Credit score: 636/1200 (current as of 5/21/2015)

DavidNY
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Postby DavidNY » Wed Dec 19, 2012 5:27 pm

I like the bulging look of the EMV chip. Are the white lines supposed to be Qantas flight paths? If so it looks like some flights go to other planets.


fantasy86dj
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Location: Australia

Postby fantasy86dj » Wed Dec 19, 2012 5:55 pm

The white lines are patterns that appear to be flight lines but they are not. The chip does look good and I have paywave as well on this card :) . I am going to try and get the gold then platinum charge next!!

Always on a mission that is me !!
Transaction account:

http://www.westpac.com.au/personal-banking/bank-accounts/transaction/

Credit card:

[url=http://www.nab.com.au/personal/credit-cards/velocity-credit-cards/nab-velocity-rewards-premium-card[/url]

Credit score: 636/1200 (current as of 5/21/2015)

jriley
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Postby jriley » Thu Dec 20, 2012 6:25 pm

That's a cool card! Can't wait until we Americans get the Chip.

Can you explain why you would want to drop the credit limit on your card further?
Looking to maximize credit, for myself and others.

[size=80]American Express Zync
American Express Delta Reserve
Chase Sapphire Preferred[/size]

fantasy86dj
Centurion Member
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Posts: 164
Joined: Tue Mar 02, 2010 6:47 pm
ICQ: 387113
WLM: katoomba@live.co.uk
Yahoo Messenger: mettymeta242
Location: Australia

Postby fantasy86dj » Fri Dec 21, 2012 4:19 am

jriley wrote:That's a cool card! Can't wait until we Americans get the Chip.

Can you explain why you would want to drop the credit limit on your card further?


The reason why I dropped my credit limits is because I was being prevented from getting new credit due to high amounts of credit being available.
Transaction account:

http://www.westpac.com.au/personal-banking/bank-accounts/transaction/

Credit card:

[url=http://www.nab.com.au/personal/credit-cards/velocity-credit-cards/nab-velocity-rewards-premium-card[/url]

Credit score: 636/1200 (current as of 5/21/2015)



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