I still cannot believe that I got it! I had a good feeling last night, went ahead and applied online for Amex Gold Business Charge card with no annual fee. I received 7-10 business days message and got a phone call this morning. The lady confirmed all the info and said she will approve my application! YIPPPIEEEE!!! Out of curiosity, there is no way I can change that one for Amex Blue or Delta SkyMiles (business) is there? Also, how long will it take until I may have a chance to get a personal Amex Starwood? This is my happiest day of my life Thank you guys for all the advice you have given me and all the help! Now, just waiting for the fight with Citi and I'm all CLEAN! Also, I still do not know what credit report they pulled. Actually, I have checked all of them and there is no inq. I have 1 late on TU, 5 on EQ and 7! on EX. with scores above 650. As many of you know, I'm suing Citi for all that lates for violations of FCRA.
HI! Congrats! I too just got this card-- it's great. Automatic discouts @ Staples! Whooo hooo! Plus, the free first year is AWESOME! To answer your question, no, you can't convert this account to a Blue/Optima-ish card product. If it's a charge card, the only flexibility you have is converting to another charge card product (ie- Platinum upgrade in a year or so depending on spending). After you've had the card for 6 months or so, apply for the personal card you want and see. If the application is declined, call New Accouts @ 1.800.962.7227 and ask for a supervisor. Ask him/her to review the your history with the company, and you shouldn't have a problem. Good luck, Buddy!
kewl Thanks Buddy I'm jumping like a crazy! I know this card has a no pre-spending limit but there got to be some kind of line right? Anyway, thanks for the info.
LOL. Yeah, that's the joke about the no "pre-set spending limit"----there totally is one! In fact, if you call CS at get a really stupid CSR, you can usually get the exact amount out of them. I will say though, that they're pretty flexible-- when I had a personal Gold Card with them a few years ago, sometimes I charged $50 a month, and sometimes $5,000 a month, never with a problem-- of course, I did call them before I put through a $3800 charge just to let them know. They're a great company if you work them from the right angle. Plus, something I've noticed with AmEx in particular is that if you go out of the way to chat it up with the CSR's, your problems tend to get resolved a lot quicker....
kewl I just called and the CSR said that "credit line" is about 10-15k, but if I need to charge it more I would need to call them. Everything up to the mentioned limit should be fine. Thanks! I'll get the card before March 7th.
Cool! Again, congrats and good luck with your conquests! Peace! -Kkewl PS- When/if you go for the personal Optima card, once you're approved, you can call new accounts and tell them that you'd like to do a balance transfer that exceeds your new CL and ask them if they could increase it to accomodate your request. It's worked like a charm for me every time, and for everyone I know (even if you never actually do a BT). Later!
My scores are from 660-685. I still do not know what report they pulled as there is no inq anywhere. I actually do own the business and has been for 2 years. That's what I put. Hope that helps.
Ok, I just got a notification from EQ that AMEX pulled an inq from them. My score was 662 and has 5 lates (UNKNOWN from Associates/Citi). This is my FIRST and ONLY inq on EQ report. With AU account my utilization is about 50%. Hope that helps. I wonder if I could get approved for my dream card - AMEX Starwood
I don't know your scores are borderline you might be able to get starwood . I know they want at least 2 years history with 2 cards and under 50% utilization on cl. anyway I received hilton honors plat/ blue/ and delta plat within 6months with scores of 711/746.
My scores jumped to over 700 due to Associates/Citi deleting my account with 1-7 lates. I now have CRYSTAL clean report with: 1 inq on EQ (last 2 years) - Amex Business - approved 1 inq on EX (last 2 years) 13 inq on TU (last 2 years - with 5 in the last 6 months - 4 being CIT) Would it be possible now, to either get Amex Starwood stand alone or apply for Delta SkyMiles and then convert it to *wood? Any experience? My history now with AU account is 5 years. Thanks for any input.
bump An update on the scores. Anyone have any idea? My EQ now is 712, EX about the same. Any chances?
my scores are mid 700's and was approved for delta plat. blue and hilton honors within 5 months around 3 inq on eq which they pulled every time. hope this helps
My scores just updated due to the above mentioned account and balance updates. EQ - 712 EX - 724 TU - waiting for the ASS/Citi to fell off after faxing the letter. That's pretty good ain't it? Thank to you guys!!
