Credit Card Center Advertiser Disclosure

Reply
Moderator
Posts: 15,414
Registered: ‎10-07-2014

Re: Amex business application - Income


CreditCuriousity wrote:

OMG Amex loves me lol..  Approved 9k...  Other limits remained intacted.  Total Amex exposure is now 73,400... Wonder if I should call and reduce it on any of my other cards?  thoughts?  This was done with all my CRA's on ice as heard Amex has been approving by SP's and this proves it if you are an exisitng card member or at leaste in my case.  Ill take a hidden TL and no inquiry any day! Smiley Tongue

 

Screen Shot 2017-08-10 at 8.29.31 PM.png


Congrats!  Too bad that you missed on the 20K bonus but they do love you.

Community Leader
Super Contributor
Posts: 14,215
Registered: ‎04-16-2014

Re: Amex business application - Income


Irish80 wrote:

CreditCuriousity wrote:

OMG Amex loves me lol..  Approved 9k...  Other limits remained intacted.  Total Amex exposure is now 73,400... Wonder if I should call and reduce it on any of my other cards?  thoughts?  This was done with all my CRA's on ice as heard Amex has been approving by SP's and this proves it if you are an exisitng card member or at leaste in my case.  Ill take a hidden TL and no inquiry any day! Smiley Tongue

 

Screen Shot 2017-08-10 at 8.29.31 PM.png


Congrats!  Too bad that you missed on the 20K bonus but they do love you.


Thanks Irish... Ya sucks I missed out on the 20k, but wow close to 75k with amex with no income verification weird.

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | US Bank | Fifth Third Bank | FNBO
Community Leader
Super Contributor
Posts: 14,215
Registered: ‎04-16-2014

Re: Amex business application - Income

BTW Apr is 16.24% after the 0 percent for 15 months.. Not bad.. On phone with them now as they made me create a new account even though i applied online from my other account... need to giet it moved over to my main account login

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | US Bank | Fifth Third Bank | FNBO
Community Leader
Super Contributor
Posts: 9,928
Registered: ‎07-17-2013

Re: Amex business application - Income

LOL..What is it with you and AMEX!! They LOOOOVVE you, good God! Congrats on the approval!

Hidden from personal, 2%, and BT offer for first year?? Nice job CC Smiley Happy

p.s.....What are you gonna do with your ED card now? Transfer the limit? Can you transfer limit in between personal and biz with Amex?? Smiley Happy
(BK7 d/c-08/2013/FICO-400's) ~ 07/2017 FICO 08- EQ-669, TU-676, EX-681
Scores being held down by tons of INQ/New acts Smiley Wink
Moderator
Posts: 15,414
Registered: ‎10-07-2014

Re: Amex business application - Income

[ Edited ]

CreditCuriousity wrote:

BTW Apr is 16.24% after the 0 percent for 15 months.. Not bad.. On phone with them now as they made me create a new account even though i applied online from my other account... need to giet it moved over to my main account login


They gave me the highest APR, 20.24% even though my Experian is 805.  Go figure.

Moderator
Posts: 15,414
Registered: ‎10-07-2014

Re: Amex business application - Income


pizza1 wrote:
LOL..What is it with you and AMEX!! They LOOOOVVE you, good God! Congrats on the approval!

Hidden from personal, 2%, and BT offer for first year?? Nice job CC Smiley Happy

p.s.....What are you gonna do with your ED card now? Transfer the limit? Can you transfer limit in between personal and biz with Amex?? Smiley Happy

Yes you can.  I did exactly that after my Blue business approval.  Transferred my limit from personal SPG to it and then later cancelled the card.

Community Leader
Super Contributor
Posts: 9,928
Registered: ‎07-17-2013

Re: Amex business application - Income


Irish80 wrote:

pizza1 wrote:
LOL..What is it with you and AMEX!! They LOOOOVVE you, good God! Congrats on the approval!

Hidden from personal, 2%, and BT offer for first year?? Nice job CC Smiley Happy

p.s.....What are you gonna do with your ED card now? Transfer the limit? Can you transfer limit in between personal and biz with Amex?? Smiley Happy

Yes you can.  I did exactly that after my Blue business approval.  Transferred my limit from personal SPG to it and then later cancelled the card.


Very nice...Thanks for the clarification IrishSmiley Happy

(BK7 d/c-08/2013/FICO-400's) ~ 07/2017 FICO 08- EQ-669, TU-676, EX-681
Scores being held down by tons of INQ/New acts Smiley Wink
Community Leader
Super Contributor
Posts: 14,215
Registered: ‎04-16-2014

Re: Amex business application - Income


Irish80 wrote:

CreditCuriousity wrote:

BTW Apr is 16.24% after the 0 percent for 15 months.. Not bad.. On phone with them now as they made me create a new account even though i applied online from my other account... need to giet it moved over to my main account login


They gave the highest APR, 20.24% even though my Experian is 805.  Go figure.


Seriously?  **bleep** is wrong with them..  I have old lates and paid CO's granted 6 years old but lol you think you would of got the best or middle tier...  My ED has the lowest tier or actually lower than advertised due to asking.. My Other two business cards have middle tiers as well I believe.. Amex is strange!  I am rocking a 716 EXP score right now lol.  Guessing being an AU user on parents cards from 1990 might play a small role on my apr's and internal score?  Who knows, but not complaining.  Just waiting to get hit by a FR when they realize how much credit they have passed out to me lol.  I was honest and put 0 business revenue and my salary.  

 

I wonder if I should move some from my ED card which is at 28k to it, although to be honest I doubt I will ever get close to the 9k on the business card as that is a usable limit.  Plan on keeping the ED card open since it back dated.  I don't think I will move any of my limits around right now as dont have a BT I need either.

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | US Bank | Fifth Third Bank | FNBO
Community Leader
Super Contributor
Posts: 14,215
Registered: ‎04-16-2014

Re: Amex business application - Income


pizza1 wrote:
LOL..What is it with you and AMEX!! They LOOOOVVE you, good God! Congrats on the approval!

Hidden from personal, 2%, and BT offer for first year?? Nice job CC Smiley Happy

p.s.....What are you gonna do with your ED card now? Transfer the limit? Can you transfer limit in between personal and biz with Amex?? Smiley Happy

Keeping it as backdated to 1990...  Whether I move some of the CL I have no idea as 9k is usable on a hidden TL so no real need to move it?

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | US Bank | Fifth Third Bank | FNBO
Moderator
Posts: 9,908
Registered: ‎09-22-2012

Re: Amex business application - Income

Congrats! I knew you'd get it!

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.