/ Register

Amex Sign & Travel/Extended Payment

Discussion in 'Credit Talk' started by hello, Mar 16, 2002.

  1. Mar 16, 2002 #1
    hello

    hello Well-Known Member

    The rep. on the phone told me the lowest rate offered for S&T and extended payment is 9.9+prime. I find this hard to believe--but she insisted that was the lowest rate.

    I know others on this forum have lower rates. How did you get them to budge on the rate? And what phone number did you call? Also, what is your rate? I find the program useless if the apr is that high...
     
  3. Mar 16, 2002 #2
    Saar

    Saar Banned

    Re: Amex Sign & Travel/Extended Pay

    You don't want S&T. Their S&T system is very buggy and once people joined it they had lots of frustrations. If you wish to revolve a balance, just get a Blue. It offers almost all the advantages of the Gold Charge, and you can still choose whether or not to keep your MR enrollment.

    If you have good credit you should qualify for the Blue 9.99% APR, and avoid the annual fee.


    Saar
     
  4. Mar 17, 2002 #3
    mj

    mj Well-Known Member

    My S&T/EXPO is prime + 3.99... it was offered on my statement (they are apparently testing rates). Push the issue and see what you can get. Ask for a supervisor if the person on the phone can't help - but my experience is that they usually can fix it.

    Prime + 3.99 = 8.74 which is 1.25% lower than my Blue (except for the BT prime + 0% deal they're offering).

    Good luck,
    mj
     
  5. Mar 17, 2002 #4
    hello

    hello Well-Known Member

    How long have you had an Amex? Also do you have green, gold, platinum? Thanks.
     
  6. Mar 17, 2002 #5
    GEORGE

    GEORGE Well-Known Member

    BT PRIME + 0.00% AMEX BLUE...not if your a "GEORGE"...

    2.5 years perfect payment history...stuck @ 12.99% purchases and BT...also refused increase.

    :(
     
  7. Mar 17, 2002 #6
    marci

    marci Well-Known Member

    I recommend NOT doing Sign and Travel. They screwed up my mom's statement balance with this deal and actually took $3000 from her (she has yet to recover it) due to an obvious statement mix up and misapplication of payment. They were totally inept with her account.


    You'd be much better just getting a revolving card from AmEx. If you apply for a revolving card - the MORE Team can facilitate your application approval.
     
  8. Mar 17, 2002 #7
    mj

    mj Well-Known Member

    I stand by my original recommendation. Prime + 3.99 is a good rate - especially for a card that gives you miles. I also like the ability to move a pay-in-full balance to revolving with a click or call.

    I have a Gold Rewards + and was offered S&T after 1 year - the PR+3.99 was offered after year 2. It's a selective offer - and you have to be diligent - they tried bumping it to 14.9 and I caught it.

    As for other folks' having mix-ups - it is a little confusing - your statement shows a "total due" and a "minimum due" ... since I do everything on Quicken and reconcile my statements, it's hard for something to slip by.

    -mj
     

Share This Page