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AMEX Everyday in my wallet keepin' my Unicorn company!

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DaveinSC
Contributor

AMEX Everyday in my wallet keepin' my Unicorn company!

I applied over the phone, since the online app through the AMEX website wouldn't work. The very nice rep instantly approved me for  $12,900.00 @ 14.99 APR after the first 15 months( which are at 0% through Aug., 2015). Got the card in today's mail. It's quite attractive; I wasn't expecting it to be translucent nor was I expecting chip and pin technology. I've added it to my AMEX online account, and can flip back and forth between this card and the Unicorn. I still don't understand how my Zync MRE points will work with the MR points I'll accumulate through this card. It looks to me like I only have the one MR account.

 

AMEX also sent me my FICO score they used in determining my limit and APR.   FICO= 816 through Experian. Don't know how that equated a 14.99 % instead of the 12.99% that is their lowest APR. Oh well, I have a few months to ponder that til it kicks in.  Man Tongue

EQ: 850 (01/2018)
TU: 830 (1/2018)
EXP: 825 (06/2018)
USAA Sig. VISA (7.25%) - AMEX Zync (NPSL)- AMEX Everyday (14.99%)- NFCU VISA Signature (10.65%) - Simmons First National Bank VISA (8.25%) - Citi Thank You Rewards Mastercard (12.65%)-USAA "Limitless" Cashback Rewards VISA Signature (14.45%)-AMEX Cash Magnet (13.25%)
Message 1 of 17
16 REPLIES 16
coldnmn
Mega Contributor

Re: AMEX Everyday in my wallet keepin' my Unicorn company!

Congrats! 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 2 of 17
DaveSignal
Valued Contributor

Re: AMEX Everyday in my wallet keepin' my Unicorn company!


@DaveinSC wrote:

@I applied over the phone, since the online app through the AMEX website wouldn't work. The very nice rep instantly approved me for  $12,900.00 @ 14.99 APR after the first 15 months( which are at 0% through Aug., 2015). Got the card in today's mail. It's quite attractive; I wasn't expecting it to be translucent nor was I expecting chip and pin technology. I've added it to my AMEX online account, and can flip back and forth between this card and the Unicorn. I still don't understand how my Zync MRE points will work with the MR points I'll accumulate through this card. It looks to me like I only have the one MR account.

 

AMEX also sent me my FICO score they used in determining my limit and APR.   FICO= 816 through Experian. Don't know how that equated a 14.99 % instead of the 12.99% that is their lowest APR. Oh well, I have a few months to ponder that til it kicks in.  Man Tongue


Did you get a PIN with that chip + PIN?

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Message 3 of 17
yudeology101
Senior Contributor

Re: AMEX Everyday in my wallet keepin' my Unicorn company!

WTG!  Nice score, nice starting CL, woohoo on keeping your Unicorn Smiley Wink

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 4 of 17
DaveinSC
Contributor

Re: AMEX Everyday in my wallet keepin' my Unicorn company!

Yeah, the PIN mailer arrived the day before the card did. I first thought "I'm used to getting these PIN things a few days AFTER I get my card....has it been stolen out of the mail?"  Nope, just got it a day early.

EQ: 850 (01/2018)
TU: 830 (1/2018)
EXP: 825 (06/2018)
USAA Sig. VISA (7.25%) - AMEX Zync (NPSL)- AMEX Everyday (14.99%)- NFCU VISA Signature (10.65%) - Simmons First National Bank VISA (8.25%) - Citi Thank You Rewards Mastercard (12.65%)-USAA "Limitless" Cashback Rewards VISA Signature (14.45%)-AMEX Cash Magnet (13.25%)
Message 5 of 17
BigBS
Senior Contributor

Re: AMEX Everyday in my wallet keepin' my Unicorn company!

Congrats!

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 6 of 17
DaveSignal
Valued Contributor

Re: AMEX Everyday in my wallet keepin' my Unicorn company!


@DaveinSC wrote:

Yeah, the PIN mailer arrived the day before the card did. I first thought "I'm used to getting these PIN things a few days AFTER I get my card....has it been stolen out of the mail?"  Nope, just got it a day early.


Wow, congrats on the sweet card with PIN technology!  Not many major issuers that I know of are doing this with their chip cards. 

EX:694 TU:744 EQ:777
Amex ED $19.5k - BoA Travel Rewards $15k - CSP $5k - SDFCU EMV $15k - NFCU goRewards $20k - Barclays Arrival $6.5k
Message 7 of 17
Anonymous
Not applicable

Re: AMEX Everyday in my wallet keepin' my Unicorn company!

Congrats! Time to recon... anybody who can qualify for Simmons1st or Iberia needs to get a "get out of jail free card".
Message 8 of 17
baller4life
Super Contributor

Re: AMEX Everyday in my wallet keepin' my Unicorn company!

Sweet! Congrats!
Message 9 of 17
gdale6
Moderator Emeritus

Re: AMEX Everyday in my wallet keepin' my Unicorn company!


@DaveinSC wrote:

@I applied over the phone, since the online app through the AMEX website wouldn't work. The very nice rep instantly approved me for  $12,900.00 @ 14.99 APR after the first 15 months( which are at 0% through Aug., 2015). Got the card in today's mail. It's quite attractive; I wasn't expecting it to be translucent nor was I expecting chip and pin technology. I've added it to my AMEX online account, and can flip back and forth between this card and the Unicorn. I still don't understand how my Zync MRE points will work with the MR points I'll accumulate through this card. It looks to me like I only have the one MR account.

 

AMEX also sent me my FICO score they used in determining my limit and APR.   FICO= 816 through Experian. Don't know how that equated a 14.99 % instead of the 12.99% that is their lowest APR. Oh well, I have a few months to ponder that til it kicks in.  Man Tongue


Grats Smiley Happy  The 816 is most likely a bankcard score which goes to 900 and not the normal 850.

Message 10 of 17
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