AMJ21

I have to agree!

Amex, once upon a time, was easy. Just hit the LUV button. Nowadays, don't know.

Nice work. Hard work does pay off!

Orchard report to the 3 major CRAs. You probably fell out of the reporting cycle the first time around.

You can also try to acquire multiple cards from the same issuer. Once you have them you can combine the CL.

If you feel you've harassed, etc. you can, and should, file a complaint with your states Attorney General's office.

You cultivated your score, used it and got what you wanted. 3 cards is great. Let them age for 6 months and you'll see a big change. If you're not buying a house or car in the near future, who cares? Just use the wisely and PIF.

GEMB is stingy but they bring you up over time. Try: 1-866-869-4671.

I imagine you're paying online. If so, it should be credited immediately and visually posted next day. The fact that it's posted doesn't necessarily mean that you have available credit if you pay prior to the statement date. You should call to see what their policy is or pay, go in-store and request a CLI.

It may. Amex has the memory of an elephant for these things. If this account is hurting your CS you may want to dispute as obsolete.

Enjoy!

Any recent inquiries?

You need to look at Cap 1. They, and some CU, are the only ones that offer 0% FTF. Amex is 2%. There are other exceptions but they a rare and far between.

The ones I know will require 650+ (Amex-Costco, Citi).