Amex Loc

Just call the number 1888-356-1006, enter your social then enter your 4 digit code, which is last 4 numbers of your social, if you are approved it will tell you your account number and balance, if you are not it will say they have no record of your information

 

It takes a couple of hours for their system to digest

 

It is a hidden line of credit though. Some say it is so well hidden that they don't recognize their own checks! It has worked ok for me though, but I only write checks to myself just in case.

 

Yes that's true. I was just saying that the automated system usually has your account information before you get the email if approved.

 

If you don't mind my asking - how are you using your LOC. Do you pay in full or make the payments? Do you use it like a loan or like a credit card?

 

George - I can't imagine why you wouldn't be approved. They checked my worst CRA, I got no email, no phone calls, just checks showed up in the mail.

 

I've seen many posts that say they get email when they apply for credit. Most apps ask for your email address. I've yet to get one. That's cool, but I'll never know. It's also Christmas, George. A very busy time for credit card companies. Give it a little time.

 

Not sure if this was addressed to me?? But I use it like a loan, I have prime + 2.9, and since it's hidden I have used part of it, I still have a good deal not used, but I paid off some other cards and kept the balance hidden

I to will only deposit in my account and wait until it clears the LOC account, I would never write the check to someone else, so far i don't have full trust in their system, so to olay it safe I only write checks to myself.

 

george, what apr did your e-mail say?

 

oh, that kinda sucks. Good luck!

 

I gave in and applied and received this message:

We were not able to process your loan request at this time. Please try again later. Thank you.

I am so bad they would even accept my application.



Mike G.