Unexpected AmEx Approval

[Cadillac-XTS]

Congrats

[distantarray]

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@GABrown wrote:
Thats the first time i have heard of this...Thats really awesome and congrats as well!!!

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yep me too first time I heard of someone paying in full after they settled

[iCoop]

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@beb86 wrote:

AMEX uses inhouse collections which is a benefit when you want to do right by them...Congrats... what card did you get approved for 

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I applied for and was approved for Blue from American Express.

[iCoop]

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@youngandcreditwrthy wrote:
The reps aren't credit analysts though... They really can't aa you or anything, I wouldn't think....not 100%.

Haha what if they Financial Review you.
Oh f***!!!

:-P jk!

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Financial Review? What would that do?

[iCoop]

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@Repo-ed wrote:

Log into americanexpress.com and the date at the top of the main screen will tell you your member since year.

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I logged in and was able to find the original date:

"THANK YOU FOR BEING A CARDMEMBER SINCE 2005"

[iCoop]

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@distantarray wrote:

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@GABrown wrote:
Thats the first time i have heard of this...Thats really awesome and congrats as well!!!

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yep me too first time I heard of someone paying in full after they settled

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lol I haven't fully PIF but just about. I should have never settled to begin with, I made the debt so I should pay the debt.

[iCoop]

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@youngandcreditwrthy wrote:
Call them!!!! Now don't try for a cli until it's completely paid off... Ive seen ops get approved with old debts from Amex but then denied the 61day 3xcli bc of the old debt lol!

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So I called and spoke with a new card rep. The rep said that my account terms had not fully generated yet but was able to tell me the estimated CL on my Blue card will be around $3,500 and no estimate can be given for APR.

[youngandcreditwrthy]

Financial Review is where they make you give them permission to ask the IRS for your tax returns:-/. Don't worry about it... Just be cautious with how you use the account.

I got an initial line of $3500 tooo!!!!! Yay!! Got mine approved on Oct 1st!!!:-D

[Epcot]

Congrats, that's great!

[iCoop]

Update:

I received my congratulations letter from AmEx today stating my FICO score which they obtained from Experian. As of November 4 it was a 702. The key factors that contributed to my FICO score:

Serious delinquency

Length of time accounts have been established

Proportion of loan balances to loan amounts is too high

Too many inquiries last 12 months

APR: Still unknown

Credit Limit: $2,500