15 days ago I opened a cc w/ AMEX. I thought I did my research on which company is the best, boy was I wrong. I go to use my card for the 1st time lastnight & its declined. Ok... I call AMEX from the store and I'm placed on hold for 20 mins. Finally I speak to an awful women who tells me my debt to income ratio is too high and I have too many inquires. I pull my credit report once I get home I pull the one from when I opened the card and the most recent one. My revolving debt $100, my credit score increased from 738 to 740 and 96% of... read full review »