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josie
Regular Contributor

Amex

Was an authorized user on my aunts Green Card from 2012. Applied for the Delta Gold On the 14th. Said I need to call when called said address doesnt match what they have on filed. Told them this is my new addresss cause I recently moved into my own place. Was put on hold for a few minutes Approved with a limit of 1000. After reading on here if I'm denied would be a soft decided why not last inquiry on TU was 7 months ago. So last night applied for BCE approved called to find out my limit 4500. As of now still havent received an alert of a new inquiry. Keeping fingers cross even though its not much of a big deal for me.
Started over because life happens.
I did it again even better this time. My highest score last time was 680

Starting Score: 513 Ex 520 Eq 534 Tu
Current Score: 689 Ex 684 Eq 698 Tu
Goal Score: 740


Take the myFICO Fitness Challenge



Message 1 of 12
11 REPLIES 11
junior88
Frequent Contributor

Re: Amex

So I was just approved as well on the 11th. If I were to apply again it would be a HP if approved, is that correct?

11/13/23 TU 808 EX 800 EQ 806 ---- Discover $35,000/AmEx Delta Plat $30,000/Chase United $26,200/BOA $25,000/Macys AmEx $25,000/Sams Club MC $20,000GM Card $18,000/Chase IHG $16,000/Barclay Rewards $12,100/Dicks MasterCard $10,000/Lowes$15,000/BOA Cash Rewards $13,800/Citi Double Cash $9400/Citi Simplicity $8200/Target MC $8000/Wells Fargo Visa $7000/State Farm $4000
Message 2 of 12
coldnmn
Mega Contributor

Re: Amex

Congrats on the cards! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 3 of 12
josie
Regular Contributor

Re: Amex

Just received an alert a few minutes ago from credit karma do yes its another hard pull.
Started over because life happens.
I did it again even better this time. My highest score last time was 680

Starting Score: 513 Ex 520 Eq 534 Tu
Current Score: 689 Ex 684 Eq 698 Tu
Goal Score: 740


Take the myFICO Fitness Challenge



Message 4 of 12
-Wade-
Valued Contributor

Re: Amex


@josie wrote:
Was an authorized user on my aunts Green Card from 2012. Applied for the Delta Gold On the 14th. Said I need to call when called said address doesnt match what they have on filed. Told them this is my new addresss cause I recently moved into my own place. Was put on hold for a few minutes Approved with a limit of 1000. After reading on here if I'm denied would be a soft decided why not last inquiry on TU was 7 months ago. So last night applied for BCE approved called to find out my limit 4500. As of now still havent received an alert of a new inquiry. Keeping fingers cross even though its not much of a big deal for me.

Congrats Smiley Happy

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 5 of 12
yudeology101
Senior Contributor

Re: Amex


@junior88 wrote:

So I was just approved as well on the 11th. If I were to apply again it would be a HP if approved, is that correct?


Correct, you're on top of it!

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 6 of 12
yudeology101
Senior Contributor

Re: Amex

WTG OP Congrats on your approval!

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 7 of 12
gdale6
Moderator Emeritus

Re: Amex

Grats, enjoy OP Smiley Happy

Message 8 of 12
efranklin23
Valued Contributor

Re: Amex


@josie wrote:
Was an authorized user on my aunts Green Card from 2012. Applied for the Delta Gold On the 14th. Said I need to call when called said address doesnt match what they have on filed. Told them this is my new addresss cause I recently moved into my own place. Was put on hold for a few minutes Approved with a limit of 1000. After reading on here if I'm denied would be a soft decided why not last inquiry on TU was 7 months ago. So last night applied for BCE approved called to find out my limit 4500. As of now still havent received an alert of a new inquiry. Keeping fingers cross even though its not much of a big deal for me.

Congrats!!!

AMEX BCE (30K), DISCOVER IT (29.5K), NFCU CASH REWARDS (25K), BOA TRAVEL REWARDS (15K), USAA VISA (13K), CHASE SAPPHIRE RESERVE (13K), COMMENCE MASTERCARD (7.5K), CHASE FREEDOM (7K), CHASE FREEDOM (7K), TFCU CC (2.5K), TARGET REDCARD (900)
Message 9 of 12
alvon123
Super Contributor

Re: Amex

congrats


Message 10 of 12
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