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Originally Posted by zer0k1
(Post 24606697)
The Amex reps are pretty confident that the Member Since date is not reflected in any way whatsoever on the information that is reported to the CB
I have my credit reports from both TU and Equifax that have card opened year dating back to the first one in 2012. For example, I have held a Amex Gold Rewards, Amex Plat, Blue Sky and Aeroplan Gold over the last few years - all of them show the same year (but actual month), when in fact I opened them at a rate of 1 per year or so. |
Originally Posted by lily23
(Post 24607465)
To be honest, I think the Amex reps are wrong. My member since date was originally 2003, which was clearly a mistake as I would have been too young to have a credit card at that age and was never authorized on my parents accounts. I ended up applying for a BMO credit card, and they questioned me about the start date of my Amex cards and wouldn't grant the approval until I called Amex to have it changed (not sure why it was such a big deal to them...). The Amex reps said they could change it to 2009 quite easily and it wouldn't reflect on my credit report - later, all four cards showed up on my Equifax report as new accounts, and my score ended up dropping quite a bit.
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Originally Posted by zer0k1
(Post 24608241)
I am very inclined to agree with you, especially given people's first hand reports of it being represented on the average age of accounts. I just find it bizarre that I spoke to 3 Amex reps so far who were all 100% positive it would not have any such reflection. But then again, one of them told me "We only contact the CB when you are applying for credit".
Just have faith in our datapoints! ;) |
Originally Posted by JJonahJ
(Post 24610513)
Z, those are Amex reps, not CB reps. Don't ask them for their opinions. It's like asking any FI CSR, "When will I get my points?", you'll just get the token answer "8-10 weeks from now". Or when your TD online application fails to work and you ask the TD rep why it's happening: "Oh, I'm glad you called me, I am a TD rep and also an IT expert. Just clear your browser history, cache and cookies." Okie, dokie! :D
Just have faith in our datapoints! ;) |
I applied to the Chase Marriott card and got declined because Equifax has my old mailing address rather than my current one. Anyone have experience with this?
What's a faster way to get Equifax to fix my credit report: amend the address on all my credit card or write to Equifax about it? Once I send Equifax the right info, how fast will they communicate it with Chase? Will Chase reconsider without doing another hard pull? |
Does anyone have churning with the Best Western card? Does it following the typical 6 month cycle like the Marriott card?
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Originally Posted by kenwood
(Post 24611865)
Does anyone have churning with the Best Western card? Does it following the typical 6 month cycle like the Marriott card?
Too early to tell for sure how it'll play out with the new regime and system in place for mbna credit cards now. The current 20,000 offer ain't great; I'm waiting to see if 50,000 comes back this summer. |
How long do you have to wait after you cancel to apply for the exact same AMEX card?
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Originally Posted by emilio911
(Post 24612219)
How long do you have to wait after you cancel to apply for the exact same AMEX card?
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Originally Posted by zer0k1
(Post 24612323)
6 months is the accepted practice. Anything less than that is YMMV.
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Originally Posted by emilio911
(Post 24612669)
Is it possible to downgrade a canadian AMEX charge card without getting a new credit pull?
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Originally Posted by zer0k1
(Post 24612948)
They claim it is possible, however I can assume there is no way you would be able to get the downgraded card bonus if that's what you're thinking.
Originally Posted by zer0k1
(Post 24612948)
It would take convincing
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Originally Posted by emilio911
(Post 24613042)
What do you mean by that?
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BMO World Elite Mastercard question
Quick question regarding the BMO World Elite M/C. Can someone provide me with some insight as to how their online Rewards site works. Is it an Orbitz/Expedia etc type of system or can you specifically go to an individual airlines own site? I'm just curious as to whether I can book an Alaska Airlines flight using a companion pass on the BMO Rewards site.
Also, for those of you who have used this card to redeem for travel, how has this worked for you? TIA. |
Originally Posted by prmetime
(Post 24623974)
Quick question regarding the BMO World Elite M/C. Can someone provide me with some insight as to how their online Rewards site works. Is it an Orbitz/Expedia etc type of system or can you specifically go to an individual airlines own site? I'm just curious as to whether I can book an Alaska Airlines flight using a companion pass on the BMO Rewards site.
Also, for those of you who have used this card to redeem for travel, how has this worked for you? TIA. I find the rates competitive. Have used for hotels and flights. Some hotels do not give stay credit for stays remember, ie Hilton. But I do receive HHonours benefits while staying (I am diamond). |
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