@Boragard wrote:On December 31, 2013 I applied for 2 cards: Chase Freedom & Costco TE. I figured to app before joining the garden for the next year. The Chase Freedom was denied, tried to recon and denied again. They said too many inquires within the past year (13), and too many new TLs opened (5). I said okay and hung up. I then applied for AMEX Costco, I apped online because I did not want to make a walk of shame if I applied in store and was declined. It said pending for 6 days, and I just checked my email and it said I was approved, WHAT!?! OMG! I thought I was on AMEX blacklist because in December 2011, I got the Zync with $500 auto pay. They cancelled my account because I was late with my payment plan payments due to my job loss. I finally paid it off in September 2012 when I found employment, and have been denied for other charge accounts since. So I thought I would definitely be denied but to my surprise I wasn't. I don't know my limit, but will find out when the card arrives.
I'm already thinking about the future so, three questions...
1) When do I request AMEX 3X CLI, is it from the date of approval or date of activation, or some other date? 61 days from account creation
2) Can I get this AMEX backdated to 2011? yes
3) Since approved for a revolver, should I apply for a charge? Keep in mind my original app was on 12/31/13 and was approved today 01/06/14 or would it just be cancelled? Keep in mind I am in the garden and don't want a HP! if approved, it will be a hp. Sp if denied
Thanks for your responses!
Congrats!
@Boragard wrote:
@T09Lexie wrote:
@Boragard wrote:On December 31, 2013 I applied for 2 cards: Chase Freedom & Costco TE. I figured to app before joining the garden for the next year. The Chase Freedom was denied, tried to recon and denied again. They said too many inquires within the past year (13), and too many new TLs opened (5). I said okay and hung up. I then applied for AMEX Costco, I apped online because I did not want to make a walk of shame if I applied in store and was declined. It said pending for 6 days, and I just checked my email and it said I was approved, WHAT!?! OMG! I thought I was on AMEX blacklist because in December 2011, I got the Zync with $500 auto pay. They cancelled my account because I was late with my payment plan payments due to my job loss. I finally paid it off in September 2012 when I found employment, and have been denied for other charge accounts since. So I thought I would definitely be denied but to my surprise I wasn't. I don't know my limit, but will find out when the card arrives.
I'm already thinking about the future so, three questions...
1) When do I request AMEX 3X CLI, is it from the date of approval or date of activation, or some other date? 61 days from account creation
2) Can I get this AMEX backdated to 2011? yes
3) Since approved for a revolver, should I apply for a charge? Keep in mind my original app was on 12/31/13 and was approved today 01/06/14 or would it just be cancelled? Keep in mind I am in the garden and don't want a HP! if approved, it will be a hp. Sp if denied
Thanks for your responses!
Congrats!
61 days from account creation, I set up the account online today. So would today be considered the first day? confused on this...
also, would you recommed me applying for a charge right now or hold off?
Did you receive an email asking you yo register your account a day or so after you were approved?
Do you need the charge card? You mentioned you were in the garden. You could always do the charge card next year to pump up your AAOA
@Boragard wrote:Yes, I received the email for account registration and set it up immediately! lol, however, they said it would be ready to access in the next 24 hours.
No, I don't necessarily need the charge, it is very much a want. I think I will hold off because I definitely do not want any HPs this year. As you mentioned my AAoA will be better in a year.
EDIT: Typo and question added...
Do you think I was HP'd today since I was approved today? or do you think I was pulled on 12/31?
Pretty sure your hp was from 12/31
The date you set up your account, will be the creation date. Usually it's a few days after your approval. To be sure, call them and ask, they will let you know.
@Boragard wrote:Ok, thanks for your responses! I will be going to bed now. Have a goodnight and say warm! The current temp in Chicago is -10! Wind Chill -23, Brrr!!
Night...I'm in SoCal no wind chill here but you stay warm!
