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Contributor
epicureanism
Posts: 86
Registered: ‎02-04-2013

Got approved for AMEX SPG 30k with 9500 limit

Well I was really surprised at how AMEX gave credit limit. I am only a student and of course not much income. Besides, I only have 11 month of credit history. Would not be surprised even if they rejected me... 

Current Cards: BOA Better Rewards (2.5k), Citi Forward (2k), AMEX Blue Cash Preferred (6k), AMEX SPG (7.5k), DISCOVER (1k), Chase Freedom (7k).

Credit Karma: 752, Credit Sesame: 736.
Regular Contributor
cottoncrown
Posts: 244
Registered: ‎05-08-2013

Re: Got approved for AMEX SPG 30k with 9500 limit

Wow, that's awesome! Do you might sharing what income you reported on your app?
Contributor
epicureanism
Posts: 86
Registered: ‎02-04-2013

Re: Got approved for AMEX SPG 30k with 9500 limit


cottoncrown wrote:
Wow, that's awesome! Do you might sharing what income you reported on your app?

 

Sure. I am a full time PhD student. The tuition plus stipend is 60000 and I filled in 80000. If asked, I would say my parents support me a little bit. 

Current Cards: BOA Better Rewards (2.5k), Citi Forward (2k), AMEX Blue Cash Preferred (6k), AMEX SPG (7.5k), DISCOVER (1k), Chase Freedom (7k).

Credit Karma: 752, Credit Sesame: 736.
Established Member
Ammer
Posts: 49
Registered: ‎06-07-2013

Re: Got approved for AMEX SPG 30k with 9500 limit

Man, that's interesting.

I put in 80.000 as well and guess what I got : $9.500 CL

Amex Platinum NPSL. Amex PR Gold NPSL, Amex EveryDay (20.000), Barclay US Airways (20.000), Amex BCP (15.000), Amex SPG (14.200), CSP (16.000), Barclay Arrival (2.500), Freedom (2.400), Cap1 Quicksilver ($5.000), Chase Ink Plus (8.000)
Contributor
epicureanism
Posts: 86
Registered: ‎02-04-2013

Re: Got approved for AMEX SPG 30k with 9500 limit


Ammer wrote:

Man, that's interesting.

I put in 80.000 as well and guess what I got : $9.500 CL


 

Hmm... Really interesting! Last time when I applied for BCP I filled in $60000 and only get 2000. Could someone on this board explain a little bit about how AMEX gave credit line? 

Current Cards: BOA Better Rewards (2.5k), Citi Forward (2k), AMEX Blue Cash Preferred (6k), AMEX SPG (7.5k), DISCOVER (1k), Chase Freedom (7k).

Credit Karma: 752, Credit Sesame: 736.
Regular Contributor
ternify-
Posts: 185
Registered: ‎10-11-2012

Re: Got approved for AMEX SPG 30k with 9500 limit


epicureanism wrote:

Ammer wrote:

Man, that's interesting.

I put in 80.000 as well and guess what I got : $9.500 CL


 

Hmm... Really interesting! Last time when I applied for BCP I filled in $60000 and only get 2000. Could someone on this board explain a little bit about how AMEX gave credit line? 


Congrats! That's a nice starting CL. If you don't mind me asking, how long after you got the 3xCLI on BCP did you apply for SPG?

Chase Sapphire Preferred / Chase United MileagePlus Explorer / Chase Freedom / AMEX PRG / AMEX SPG / AMEX BCE / Discover IT / Barclaycard Financing / BofA Cash Rewards for Students / CITI Classic
Contributor
epicureanism
Posts: 86
Registered: ‎02-04-2013

Re: Got approved for AMEX SPG 30k with 9500 limit


ternify- wrote:

epicureanism wrote:

Ammer wrote:

Man, that's interesting.

I put in 80.000 as well and guess what I got : $9.500 CL


 

Hmm... Really interesting! Last time when I applied for BCP I filled in $60000 and only get 2000. Could someone on this board explain a little bit about how AMEX gave credit line? 


Congrats! That's a nice starting CL. If you don't mind me asking, how long after you got the 3xCLI on BCP did you apply for SPG?


Thanks! 

 

Sure. I started my first card last September (2012) and got my citi forward this Feburary. In May I get my BCP. I applied for 3x CLI on July 5th or 6th and succeeded. Yesterday I applied for SPG. Guess I will do my next CLI next January =). 

Current Cards: BOA Better Rewards (2.5k), Citi Forward (2k), AMEX Blue Cash Preferred (6k), AMEX SPG (7.5k), DISCOVER (1k), Chase Freedom (7k).

Credit Karma: 752, Credit Sesame: 736.
New Member
ficoboy25
Posts: 18
Registered: ‎08-07-2013

Re: Got approved for AMEX SPG 30k with 9500 limit

[ Edited ]

Wait you can include the grants the school pays for tution as income?

Member
iowapilot84
Posts: 32
Registered: ‎03-19-2013

Re: Got approved for AMEX SPG 30k with 9500 limit

Congrats! It's a great card. Enjoy :smileyhappy:

Amex Blue Cash Preferred - $10K / Associated Bank Visa - $20K / Buckle Charge - $1,100 / Chase Slate - $19,500 / Chase Sapphire Preferred - $15K / Chase United - $5K / Citi ThankYou -$31.4K / Citi AAdvantage - $10K / Discover - $11K / Express Charge - $1,400 / Patelco Visa - $25K / PNC Visa - $9K / Target Charge - $500 / Wells Fargo - $12K / UICCU Visa - $9.5K

FICOs as of 08/2013 - EQ - 759 / EX - 727 / TU - 738

Contributor
epicureanism
Posts: 86
Registered: ‎02-04-2013

Re: Got approved for AMEX SPG 30k with 9500 limit


ficoboy25 wrote:

Wait you can include the grants the school pays for tution as income?


 

Yeah that's what I do. Well I am afraid of financial review, but I always pay on time (actually much before statement closes) and there should not be FR anyway.  

Current Cards: BOA Better Rewards (2.5k), Citi Forward (2k), AMEX Blue Cash Preferred (6k), AMEX SPG (7.5k), DISCOVER (1k), Chase Freedom (7k).

Credit Karma: 752, Credit Sesame: 736.

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