I'm crying. Approved for Discover IT! (and then AMEX BCE too!)

[Anonymous]

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@always41319 wrote:

Well...I have a $3,000 limit.   I kinda really want to app for AMEX now lol.

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Nice! How does your EX score look and whats your overall utilization? You might be able to go for it now. No pressure, patience is good too

[always41319]

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@Anonymous wrote:

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@always41319 wrote:

Well...I have a $3,000 limit.   I kinda really want to app for AMEX now lol.

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Nice! How does your EX score look and whats your overall utilization? You might be able to go for it now. No pressure, patience is good too

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I don't have any of the official scores because I don't really want to pay for them if I don't HAVE to. My CK FAKO (which I know is powered by TU) is 719, and Credit Sesame's FAKO is 715 (I don't remember who powers that one. I know it's not an accurate indicator, but I'm pretty sure my EX score is in that area, because my reports are all pretty much identical. (the exception is that TU shows an extra INQ--3 vs 2 on EX and EQ). My UTIL is about 5% or so right now, unless my new TJX statement has hit the reports and CK hasn't updated it yet. But even if it has, my UTIL would be about 10%, so nothing terrible.

[Anonymous]

I believe Credit Sesame is EX and for me its usually a bit higher than my EX FICO. Right now I think its listed as 697 but my FICO is 682 so I wouldnt rely on a CS score but since yours is over 700 you should be "ok" if you feel confident about applying I cant preach about patience since I apped for both of these the same day also lol

[always41319]

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@Anonymous wrote:

I believe Credit Sesame is EX and for me its usually a bit higher than my EX FICO. Right now I think its listed as 697 but my FICO is 682 so I wouldnt rely on a CS score but since yours is over 700 you should be "ok" if you feel confident about applying I cant preach about patience since I apped for both of these the same day also lol

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haha I might just go ahead and do it because I don't have anything to lose except a hard pull. I just don't knowwwww. I'd like it for the backdating in the future, but I'm wondering how much use I'll REALLY get out of it right now. I can't decide lol. I should have apped for it last month, before the presale for Taylor Swift tickets, because maybe I would have gotten better seats and I'd have the charge sitting on a 0% interest card instead lol.

[EvilR-T]

I'd wait for discover to show up on your report, wait a week, and go for amex.

[always41319]

Now I'm SOBBING. I drank two glasses of wine with my dinner, pulled the trigger and I was approved for the AMEX for a $2,500 limit. This day is unbelievable.

Officially ready to garden.

[EvilR-T]

THIS is making me feel good. Wtg! 

[Anonymous]

Sweet! Congrats x2 Now put the wine away before you end up drapping for more lol

[always41319]

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@Anonymous wrote:
Sweet! Congrats x2 Now put the wine away before you end up drapping for more lol

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haha I promise I'm done. With apps AND the wine. lol. There's nothing else I really want anyway. I'm just excited to have decent cards with great rates and better rewards.

Thanks for the support guys

[Anonymous]

Very wise Now you can relax in the garden and get ready for the 3x increase potential after 61 days with Amex!