"Automatically Upgraded"
Dillard's American Express® Credit Card Review
Written by: adicus on 2008-01-02
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
adicus's review: 
Got approved for a $200 credit limit on 10/07. Got this new Dillard's AMEX in the mail today with a $3,800 credit limit. I will keep the new credit limit, but I will not activate this card. I already have a charge card in my credit mix (Diners). Looks like GEMB only bases decisions on FICO's.
Got approved for a $200 credit limit on 10/07. Got this new Dillard's AMEX in the mail today with a $3,800 credit limit. I will keep the new credit limit, but I will not activate this card. I already have a charge card in my credit mix (Diners). Looks like GEMB only bases decisions on FICO's.
9 Comments
Comment 1 by eric
Hey Adicus 
on 2008-01-02
This Dillards AMEX is NOT a charge card. You can pay over time. And YES GEMB are FICO lenders.
on 2008-01-02 This Dillards AMEX is NOT a charge card. You can pay over time. And YES GEMB are FICO lenders.
Comment 3 by desihunk17
Need Help? on 2008-01-05
I know you had this card... But did you have to apply to get the American Express card? Or did they just send you one.
on 2008-01-05 I know you had this card... But did you have to apply to get the American Express card? Or did they just send you one.
Comment 4 by adicus
Desihunk17 on 2008-01-05
I applied for the private label card and from what I understand they review your account every 3-4 months for credit limit increases. I got this AMEX in the mail without applying for it. I did check my credit report and I did get a soft inquiry from them.
on 2008-01-05 I applied for the private label card and from what I understand they review your account every 3-4 months for credit limit increases. I got this AMEX in the mail without applying for it. I did check my credit report and I did get a soft inquiry from them.
Comment 5 by desihunk17
Goot Apporved on 2008-01-08
Hey I wanted American Express so bad... After reading your review I applied for this card... I have high limit card... But when I applied for this card they only gave me regular card not the American Express and cl is only 400... I think... But I am gonna wait like you did... See if I get the American Express... Card... Also I have question for and that is do you shop regularly with this card or you just keep it with you and never use it...
on 2008-01-08 Hey I wanted American Express so bad... After reading your review I applied for this card... I have high limit card... But when I applied for this card they only gave me regular card not the American Express and cl is only 400... I think... But I am gonna wait like you did... See if I get the American Express... Card... Also I have question for and that is do you shop regularly with this card or you just keep it with you and never use it...
Comment 6 by trinity3
Dillard's Amex on 2008-03-22
Adicus, do you know which CB the soft inquiry was pulled from?
on 2008-03-22 Adicus, do you know which CB the soft inquiry was pulled from?
Comment 7 by adicus
Trinity3 on 2008-03-23
They pulled from the almighty Experian when I originally applied. The huge increase was based internally (underwriting); I sent a reconsideration letter on the original credit limit ($200). I didn't here anything from them (60+ days) so I assumed they forgot about me then I get the Dillard's Amex card with a huge increase.
A recon letter has always worked for me, regardless of what I needed it for. Hope this helps.
on 2008-03-23 They pulled from the almighty Experian when I originally applied. The huge increase was based internally (underwriting); I sent a reconsideration letter on the original credit limit ($200). I didn't here anything from them (60+ days) so I assumed they forgot about me then I get the Dillard's Amex card with a huge increase.A recon letter has always worked for me, regardless of what I needed it for. Hope this helps.
Comment 9 by adicus
Recon. on 2008-03-23
You know the usual... I pay my bills on time and I have stellar payments in my 2 year old mortgage. I've been an avid shopper with Dillard's since 1992 and that I plan to make a pretty large furniture purchase to fill up my home... NOT, cause I already have the furniture I wrote the letter a lot more professionally though.
on 2008-03-23 You know the usual... I pay my bills on time and I have stellar payments in my 2 year old mortgage. I've been an avid shopper with Dillard's since 1992 and that I plan to make a pretty large furniture purchase to fill up my home... NOT, cause I already have the furniture I wrote the letter a lot more professionally though.
Please login or register for free to view your stats, add reviews and card application results, or post comments.
Credit card reviews and comments are posted by user submission and do not warrant the opinions of Finance Globe.
Disclaimer: This content is not provided by Wells Fargo. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Wells Fargo. Review content is powered by Finance Globe.
Disclaimer: This content is not provided by Wells Fargo. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Wells Fargo. Review content is powered by Finance Globe.
