American Express® Preferred Rewards Gold 17 October 2022 at 10:41AM in Credit cards 5 replies 282 views

guestman

i applied for this and passed the credit check, the next step was them telling me they will let me know in 10 days weather they want to offer me one or not,  is this the same for everybody were you get audited or is this some random check? i was hoping to get a card sorted today to start getting spending on it ASAP from now till xmas to reep them rewards!

DullGreyGuy

Some go straight through, others are pulled for review. You'll never know if its just random, your borderline or something else.

Have made use of many introductory offers from AmEx over the years, most the time the application goes straight through but at least one has been selected for review. 

guestman

i did end up getting this card. problem now is one of the things i was intending to pay on it wont accept american express, dose paying of another CC class as spending?

[Deleted User]

No, you can't pay off a credit card with another one (unless it's a balance transfer offer)

Can you spend the money in general elsewhere and maybe BT it off or buy the item from a different seller?

DullGreyGuy

guestman said:

i did end up getting this card. problem now is one of the things i was intending to pay on it wont accept american express, dose paying of another CC class as spending?

Who is it? Are they your only option? Do they accept PayPal if its an online order? B&Q now accept AmEx but back when they didnt you could pay with AmEx via PayPal to them. 

You cannot use one credit card to pay another, the closest to that is a balance transfer and that doesnt count as a purchase. Even if you found an exception to this then almost certainly it would be counted as a cashlike transaction which again doesnt count as a purchase but also comes with fees and instant interest.

Not promoting the idea but if you have no choice of merchants and they dont accept the card then there are other ways you'll find people have claimed worked on here to get cash out of a credit card without fees but then you wont get any S75 protection or chargeback options for the purchase if it goes wrong. 

WillPS

DullGreyGuy said:

You cannot use one credit card to pay another, the closest to that is a balance transfer and that doesnt count as a purchase.

This is normally true but not universally. Creation allow settlement of their credit cards by credit card, although you're somewhat on your own with whether or not that spend will be treated as a 'cash advance' on the next card.

It's a somewhat moot point though, even they don't accept Amex.