Inquiry-free line of credit by Amex

Re: Inquiry-free line of credit by

Welcome to Membership B@nking(R)

We know that you will appreciate our great rates and convenient online services, and we are looking forward to providing you with an exceptional banking experience.

Here is the status of the product(s) for which you applied:

- Your application for a Line of Credit - Prime + 2.99 is Approved

Congratulations on your new Membership B@nking account(s)! We are glad to have you as a customer and are looking forward to providing you with an exceptional banking experience.

In the next few days, you will receive your Membership B@nking welcome package via US mail. All of the documents and materials associated with your account(s) will also be mailed to you under separate cover, including ATM Cards, ATM Personal Identification Numbers and checks where applicable.

 

Re: Inquiry-free line of credit by

http://banking.americanexpress.com/...nesofcredit.jsp

Do they use the TOTAL household income?
Stated exact amount? Or a range like on the credit card page?

 

Re: Inquiry-free line of credit by

INSTANT DECISION...
Use it right away, somehow?
Or just access the account?

 

Re: Inquiry-free line of credit by

George, or you thinking about applying? I would love to if I knew it wouldn't cost me a mortgage.

Dani

 

Re: Inquiry-free line of credit by

I WOULDN'T...if I were you.

A MORTGAGE is a touchy thing.

My REAL ESTATE AGENT said "DON'T apply for anything till you have the keys in your hand"

Even if it is new bedroom set and kitchen set...DON'T DO IT!!!

Have MOM/DAD/SISTER/BROTHER/GRANDMA apply and pay their account with a BALANCE TRANSFER...

 

Re: Inquiry-free line of credit by

I called the number just now. They said it was still pending. As of today, my Credit Expert score is 752.
One of my balances updated and brought me down from 773. It was a 10k balance.

 

Re: Inquiry-free line of credit by

Tried and got same msg as Mist. Calling the number to find out.

 

Re: Inquiry-free line of credit by

Don't we have someone who frequents this board and works for AMEX? Seems to me I remember someone saying they did. Would any of you remember who it was?

 

Re: Inquiry-free line of credit by

He is Jason. I haven't seen him post lately...

 

Re: Inquiry-free line of credit by

JASON-AMEX REP FROM CARDTRAK...
Retention agent...

...Who NEVER called or wrote me when I was having so much trouble with AMEX BLUE and AMEX CASH BACK PLAT...

 

Re: Inquiry-free line of credit by

Has anyone who applied for this 'line of credit' checked their TU report today to look for inquiries. I can only get mine thru snail mail but I'm curious as to whether they pulled an inquiry at all with TU and whether it was hard or soft if they did.

 

Re: Inquiry-free line of credit by

SEE ORIGINAL POST....Re: Inquiry-free line of credit by

 

Re: Inquiry-free line of credit by

I just checked TU using worthknowing. I didn't see an Amex inquiry.

 

Re: Inquiry-free line of credit by

Nobody knows about income question?

 

Re: Inquiry-free line of credit by

THANK YOU...

 

Re: Inquiry-free line of credit by

I have a 674 from credit expert. Should I apply, or am I still too low?

-monk