Am I considered a "first-time cardmember"?

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ckkiw8
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Am I considered a "first-time cardmember"?

Postby ckkiw8 » Fri Nov 11, 2011 4:42 pm

I received an offer from AmEx Blue Everyday with a sign up promotion. In the fine print it states:

"Offer valid for first-time American Express Cardmembers only".

Now, we already have a Costco AmEx card, but we signed up for it under my DH's name. On my credit report it lists me as Authorized Account. Does anyone know if I would still qualify as a "first-time American Express Cardmember" in this case?

Thanks!
Amex BCE (25K), Amex Costco (7K), Citi Forward (12K), Chase Disney (15k), Chase Freedom (18K), Chase Sapphire (8K), GE Capital Gap Visa (8K), US Bank Cash+ Visa (13K), Business: Chase Ink (17k), Not Used: BofA Royal Carib Visa (11K), Home Depot Store Card (5K)
Credit Score: 830


sdoonan
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Postby sdoonan » Sat Nov 12, 2011 9:18 am

Sounds like you are, since the account itself is not in your name.
Cards I Carry:

Visa: CitiForward Student (1k CL, 15.24%), Capital One Student Journey Rewards (.5k CL, 19.8%)
Discover: More Student (1k CL, 17.99% regular, current rate 1.9% through 3/6/12) (Primary card at this time)
AMEX: Blue Cash Everyday (2k CL, 21.25%)

ckkiw8
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Joined: Thu Nov 10, 2011 8:51 am
Location: USA

Postby ckkiw8 » Sat Nov 12, 2011 12:44 pm

Thank you, sdoonan, for your reply. After combing through Terms and Conditions again on the offer I found this statement:

"Additional Cardmembers do not have accounts with us but they can use your Account subject to the terms of the Cardmember Agreement."

The way I understand that statement is that I am not a cardmember or account holder by just having my name on card under my DH's account.
Amex BCE (25K), Amex Costco (7K), Citi Forward (12K), Chase Disney (15k), Chase Freedom (18K), Chase Sapphire (8K), GE Capital Gap Visa (8K), US Bank Cash+ Visa (13K), Business: Chase Ink (17k), Not Used: BofA Royal Carib Visa (11K), Home Depot Store Card (5K)
Credit Score: 830

naomibatac
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Postby naomibatac » Sun Nov 13, 2011 5:04 am

As what sdoonan said, it seems that you considered first-time card holder and you are not a card member. If you are interested with that card, you may apply and enjoy the benefits.
[size=60]I don't have any relationship to the credit cards or companies discussed here. I am solely a regular member of this forum with no direct financial rewards from this site. My opinions are solely mine.[/size]

A mom of 3 and currently living life, and working for credit card helpline, a company dedicated to helping people get out of credit card debt.



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