American Express

[Kapitan]

Ive just applied for an american express card is there anyone here that has one and if so whats your views on them.

I personaly dont like credit cards but i need to boost credit rating so its realy the only way i can go, unless i murder my nan :o :down: qhich is not an option.

[The Avon Lady]

My husband got rid of ours years ago. They drove him nuts about a missed minor payment, even though my husband contacted them, explained he was overseas at the time, and asked them to consider his perfect record for the prior decade or so.

We have used Visa and MasterCard/EuroCard ever since without looking back.

I don't know about the present but several years ago, Amex saw a lot of businesses stopping to accept the card because Amex charged a higher rate, assuming their prestige made it worthwhile.

I can only recall one place, a restaurant in NY, that exclusively only accepted Amex cards and none other.

[Bellman]

Cherish your Nan Kap ! Once they go you lose a lot of valuable family oral history. I would trade everything I have
to bring mine back - both great people, strong family leaders.

Nurture one credit card for major purchases and build a good credit rating with it. 'Hang-out' another for exposure
to cr*p on the internet - use it only for that after ringing in to reset your credit limit for that card at what you
can affotd to lose at poker. ;)

[Kapitan]

I plan to have one credit card and one only, i chose american express because my two visa debit cards are not accepted in most countrys i go to over sea's, which is a pain in the ar$e.

AMEX will boost my credit rating and also enable me to buy some things quicker and also because i run a very small buisness i can now use that to trade.

[Etienne]

Visa is accepted pretty much everywhere I've been, Cap. Credit cards, anyway... Debit and ATM are a pain in the a... Beside, once you're abroad with a ship, don't use your credit card.

It's called a cash advance, and it's a lot simpler :-D

[Kapitan]

It is but i dont carry cash because its hard to get back should it be stolen credit card i can cancel.

[STEED]

Plastic cards no thanks far too easy to clone your details, one swipe by the bad guys and you’re in the red before you know it. Hard cash is back in fashion, I got turned down some 10 years ago; reason I had less than £35,000 so if you get the card Kap I shall eat my Tuna steak.

[Kapitan]

Your on !

It said i need £12,000 a year i easily reap over that, :up:

[STEED]

OK they changed the rules so what I shall still eat my Tuna steak yummy. :smug:

[Kapitan]

Well i want a picture of you eating your tuna steak with a red hot chilli and i want that pic posted on here subsim on a new topic :smug:

[STEED]

No problem just pay me 100 Million pounds job done. :smug: :smug:

[Kapitan]

You cant back out of a bet weve agreed and shaken hands, so you have to do it those further demands are void :yep:

[Oberon]

I drank a tablespoon of Tabasco sauce for a £5 bet once...it was...tingly. :doh:

[The Avon Lady]

My boys slosh tabasco sauce on all their food.

Well, not on ice cream. :nope:

[STEED]

You cant back out of a bet weve agreed and shaken hands, so you have to do it those further demands are void :yep:

Get him boys http://www.langkawi.dk/smileys/a1130.gif

[Kapitan]

One man can defeat an army as for you this is your fate

:/\chop off with your head traitor !

[STEED]

Excuse me Lord of Anarchy, no documents were signed or exchanged no documentation signed or witness under the law. Hey you want paper work I got enough here to bury you for a month, and on that note I got to crack on with it. Catch you at the weekend.

;) :P :-j :)

[Kapitan]

Good luck btw do you want to borry my snow plow?

[August]

One man can defeat an army

What man was that?

[Kapitan]

A highly skilled one very well planned co ordinated ambush and one man can take down an army, just one of the sayings i use frequently.

[joea]

One man can defeat an army

What man was that?

Charlton Heston, uhh I meant Moses. With help. :know:

[SUBMAN1]

They cancelled me. They kept offering me these incentives for less than 1% interest, so I took their money and used it to make more money, and still have yet to pay them off (I still pay the minimum on this one)! I'm not sure I ever will because I can earn more money in bank account interest than in paying the credit card debt. So I pay myself typically, but it mostely goes to stocks instead of my bank account

ANyway, the way they intended it to work is, they intice you to get debt going on the card with these checks you can cash at almost no interest, and then any purchases you do go on the card itself at 12% interest, but when paying the card, you have to pay against the less than 1% stuff and not the higher 12%, resulting in them gouging you for the high interest while you struggle to pay off the low interest. So the trick is to beat them at their own game and just plain not use the card at all, yet use as much almost no interest money that you can! THen you get what is in effect, FREE MONEY!

Personally, I hate to have the debt, but if you think about it logically, it would be completely stupid for me to pay off this debt since it is not in my best interest. THe simple fact that I am doing this is why AMEX cancelled my card (due to inactivity) - it is costing them money to have me around. Sooner or later though, even the minimum payments will kill it off, but I'll milk it to the very last.

-S

[Kapitan]

We have the same plan, i have an off shore account with a swiss bank intrest rates are very high over there and the intrest rates on repayments are low on the card, i plan to borrow say £15,000 off shore it into my swiss account then repay over a period of time hence not loosing the card nor occuring any cost, and making money in the same time.

[SUBMAN1]

We have the same plan, i have an off shore account with a swiss bank intrest rates are very high over there and the intrest rates on repayments are low on the card, i plan to borrow say £15,000 off shore it into my swiss account then repay over a period of time hence not loosing the card nor occuring any cost, and making money in the same time.

Wait till they send you those checks in the mail and make sure they are like almost 0 interest and you can play the same game.

In the meantime, go get yourself a VISA for every day use. VISA is better since it is a pain to find places that take AMEX sometimes.

-S

[Kapitan]

I have two visa's i dont carry cash and these two cards are accepted almost anywhere except my local sweetshop :damn:

[JSLTIGER]

VISA rocks...

I just got my new one today after the old one succombed to fraud...man did I miss it!

I was stuck using a Discover card...that'd be fine...if anyone would take it!

[TLAM Strike]

Excuse me Lord of Anarchy...
:stare:
Since when did I abdicate my throne? For I am TLAM privateer king of the Proxima nebula, scourge of the Beta Quadrant. :rock:

:D

[Kapitan]

I have two visa debit cards love em to bits that and my check book only thing i paid in that realy was a customs charge they are right wan*ers.

[bradclark1]

Debit and ATM are a pain in the a...
I don't use cash. It's all debit card for me. Even fast food takes them now. You can't go wrong.

[XabbaRus]

Anyone else see a big fall coming?

[Kapitan]

Are you the profit of doom or some thing xabbarus?

Im clever when it comes to money but even the cleverest get caught my plan is not to acctualy use it.

[XabbaRus]

No just mucking around with CC cards is asking for trouble. I know acouple of people who thought they were clever with money shifting it around from this card to that and playing one off against the other and they ended up **** creek with no paddle.


Thing is what is your income. You've applied for the navy merchant and royal but are you earning decent money?

Credit is just way to easy to get.

If you can get away with it great but just be careful.

[Wildcat]

Credit doesn't spell death. Especially if you only have one or two cards with limits under 1grand, it's hard to screw up so badly you can't manage.

[Kapitan]

I do have a decent wage, and as i said im not going to use it that much £500 a year is what i have to spend so il spend that and only that.

[STEED]

Excuse me Lord of Anarchy...
:stare:
Since when did I abdicate my throne? For I am TLAM privateer king of the Proxima nebula, scourge of the Beta Quadrant. :rock:

:D

Opps sorry TLAM Strike AKA Lord of Anarchy http://www.langkawi.dk/midis/181.gif


KAP got your card yet :hmm:

[Kapitan]

They said it takes up to 10 days when i phoned.