AMEX EveryDay Approval

AirlinerDudeB6 · ‎10-06-2015

Was able to get the 25k offer to come up incognito finally. Came out of garden after 13 months for this.

Needed a card to transfer limit to since AMEX still doesn't want to play nice and PC my JetBlue Amex.

Applied on Sunday, instant online approval for $23k at 15.99% with 0%intro til Jan 2017 for purchase and BT.

EX FICO was 802 and report is clean, utl is low, and always PIF. I was a little surprised to not get the 12.99% but maybe becuase my 2 car loan balances are still above 50%...who knows.

This brings my total AMEX exposure to $46k.

NRB525 · ‎10-06-2015

$23k on the SL? Big Congratulations!

I'm at $47k total AMEX CL now, but it took me 4 cards to do it.

Use the chat feature after about a month to see about getting your APR reduced. I've gotten 4% APR reduction on the HHonors card, and 3% reduction on the SPG, each soon after the card was active. And several folks have gotten APR reductions to single digits with AMEX in this way.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

OmarGB9 · ‎10-06-2015

Grats!

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores:

Anonymous · ‎10-06-2015

Wow.. Congrats!

alextercero · ‎10-06-2015

Congrats

Current Credit Cards

NFCU More Rewards | CL $3000 @ 18.00% APR| 08/2021

Capital One Quicksilver One | CL $6000 @ 31.99% APR 39.00 AF | 09/2021

Capital One Quicksilver | CL $4000 @ 31.99% APR | 02/2022

NFCU Cash Rewards | CL $1500 @ 18.00% APR | 06/2022

Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (April 2024)

Credit Age:

Inquiries:

willwar14 · ‎10-06-2015

Congratz.

CH7 FILED: 08/18/2022, DC: 01/23/2023