Will I get approved for Amex Black card?

For just about anything you want to get off your chest about credit cards.
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MemberSince99
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Postby MemberSince99 » Fri Jan 24, 2014 12:45 pm

What would I have reported, some kids on bikes did this according to someone who brought them back? The cops wouldn't have wasted time trying to figure out who it was. Sure it's a Felony, but age discrimination is illegal too for example but how many times have you heard of anyone being punished for it?


Drudai
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Postby Drudai » Fri Jan 24, 2014 1:01 pm

+ If the cops didn't see it and you don't have proof, it didn't happen apparently. :\
[size=60]
Chase Freedom: $800
Chase Slate: $500
Discover It: $2000
Sears: $2000
US Bank: $500
AMEX BCE: $2000
[/size]

MemberSince99
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Postby MemberSince99 » Fri Jan 24, 2014 6:53 pm

Actually too bad we didn't have the NSA watching everything back then, now you'd think you could just ask the NSA who dun it and they could tell you.

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otter
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Postby otter » Fri Jan 24, 2014 7:01 pm

If you really want the black card, there is a little known "shopping cart" trick... you know the calendar/appointment book/whatever that AMEX has been advertising on their site for the past month? You know the one where you click on it and say, "Wow, who would pay that f_g much for an appointment book? Well, click on it, enter "666" for the quantity and a pop-up window appears preauthorizing you for the Centurion card. click on the link... instant approval! And for you garden fetishists out there, rest assured knowing it is a soft pull... 09 isn't going to come knocking on your door demainding your precious metal/gemstone spade back.

The downside is that it has a preset spending limit of $100.
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

MemberSince99
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Postby MemberSince99 » Fri Jan 24, 2014 7:13 pm

You know what if that were true, I'd do it!

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otter
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Postby otter » Fri Jan 24, 2014 8:07 pm

MemberSince99 wrote:You know what if that were true, I'd do it!


Me too... even with a preset limit of $100 it'd be worth traveling to airport lounges across the world and drinking all their liquor. Membership does have its privileges!
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

JoDa
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Location: United States

Postby JoDa » Fri Jan 24, 2014 10:21 pm

Oh hur hur I'm so stoopid. Um, the first Walmart I could get to without renting a car opened almost exactly one month ago. Even then, I wouldn't set foot in there. MUCH more work than dropping by the store I'm going to walk by on my way home anyway and putting an envelope out in my INDOOR mailbox (yup, beauty of living in a city is that my mail slot is *inside* my front door that exactly my *2* neighbors and the postal service have keys to, so it goes from my house to the mailwoman's bag without interference). I don't shop at the Wally (why would I support poverty wages for Chinese refuse?), so I really have no purpose for spending an extra $2.10 (oh, oh, more than $.50 for the money order!) to get off the Metro, walk 5 blocks, walk 5 blocks, and get back on again to use their low-budget "bank" when I have much more convenient options.

And I looked up the "Square Cash" thing, meh, I'm not going to make my friends sign up for another app and pay me when they've got $50 in their wallet and just want to pay with that. Don't get me wrong, I like technology. I am an Ubernista (and yes, that's HER not *him*), my tenant pays his rent electronically, etc. But some people just want to throw down cash. Their prerogative, and my prerogative to take it and the points...
CSP $19K
BOA $4K
UMP $11.5K
Target Visa $1.5K

JoDa
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Location: United States

Postby JoDa » Fri Jan 24, 2014 10:35 pm

Also, while I don't think everyone needs a credit card, if you want to travel, or could benefit from free rewards, and especially if you are young-ish and just scared, it doesn't hurt to be pushed a little. My mom only has 3 cards - Sears to replace her appliances, Home Depot to fix her house, and a low-limit Cap One for general stuff. She barely travels, doesn't even spend much on gas (she's retired, she drives from her house to the diner or a friend's a mile away once a week), is only buying groceries for one, etc. That's a far cry from a cosmopolitan young professional who aspires to see the world. My mom doesn't need anything more - she probably doesn't even need what she has but likes to exploit same as cash offers and grace periods - he benefits from getting comfortable with credit and what he can get in rewards. Know your audience, as always.
CSP $19K
BOA $4K
UMP $11.5K
Target Visa $1.5K

samhradh
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Location: United States

Postby samhradh » Sat Jan 25, 2014 6:22 am

JoDa wrote:I looked up the "Square Cash" thing, meh, I'm not going to make my friends sign up for another app and pay me when they've got $50 in their wallet and just want to pay with that. Don't get me wrong, I like technology. I am an Ubernista (and yes, that's HER not *him*), my tenant pays his rent electronically, etc. But some people just want to throw down cash. Their prerogative, and my prerogative to take it and the points...

Yeah, DJ got a little snarky there.

The benefit of Square Cash is no account is necessary. I was skeptical too but it really is that easy. To me it is easier and more polite than collecting a wadful of cash but I agree that some of my friends would probably be averse to it too. I just explain that because I have an online bank I cannot deposit cash and then they usually want to accommodate me.
Citi Forward ($10.1K), AmEx Blue Cash Everyday ($30K), Chase Freedom ($12.4K), Discover it ($5.5K), Barclaycard Arrival ($12.5K), L.L. Bean Visa ($5K). FICO 806 (TU), 812 (EQ), 806 (EX).

JoDa
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Location: United States

Postby JoDa » Mon Jan 27, 2014 12:01 am

Most of the restaurants here will split the bill however many ways you want it, and I have a number of friends who prefer to drop cash. Once everyone has thrown in for the bill, I ask if anyone else wants the cash (before our cabs were mandated to take credit cards, some people would chime in and say they'd like a $20 to get home, but it's rare anyone wants it anymore), and if not, I take it, add it to my tab, and pay with my card. No joke about walking out of a restaurant with $300 in cash (and, now with CSP, 600+ points). And I just pop by the store when it's convenient (it's a whopping 2 blocks from my front door and on my route home from the subway) and put a money order in the mail to pay the bill. Seems easy enough for me, but maybe some people feel it's inconvenient or "improper."
CSP $19K
BOA $4K
UMP $11.5K
Target Visa $1.5K



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