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@myjourney wrote:
@LS2982 wrote:
@myjourney wrote:
@agforfree5 wrote:
@myjourney wrote:Congrats
Thank you! But does anyone know the answer to my above questions ? I have only gotten this far with the help of the myFico community. Started off with a 487 Score!
- How do I know my limit? I know its a Charge card but there still has to be a limit.After you get your card call in some CSR will tell you were the limit is set ....
-Also, does this mean I can apply for the costco card again without taking a Hard Pull on my credit report? And yes do it right now to reduce the likely hood of a 2nd HP
YMMV
Very rarely does AMEX CSRs give internal limit info out. I would use the check spending ability button online.
They do and will if you tell them your thinking about making a large purchase
I think that is YMMV. More posters report no go than getting the info.
OP can you post info about your scores and average age and inquiries on CRAs? EXP pull only?
@LS2982 wrote:
@myjourney wrote:
@LS2982 wrote:
@myjourney wrote:
@agforfree5 wrote:
@myjourney wrote:Congrats
Thank you! But does anyone know the answer to my above questions ? I have only gotten this far with the help of the myFico community. Started off with a 487 Score!
- How do I know my limit? I know its a Charge card but there still has to be a limit.After you get your card call in some CSR will tell you were the limit is set ....
-Also, does this mean I can apply for the costco card again without taking a Hard Pull on my credit report? And yes do it right now to reduce the likely hood of a 2nd HP
YMMV
Very rarely does AMEX CSRs give internal limit info out. I would use the check spending ability button online.
They do and will if you tell them your thinking about making a large purchase
I think that is YMMV. More posters report no go than getting the info.
Exactly LS that why im telling OP don't do it now
@myjourney wrote:
@LS2982 wrote:
@myjourney wrote:
@LS2982 wrote:
@myjourney wrote:
@agforfree5 wrote:
@myjourney wrote:Congrats
Thank you! But does anyone know the answer to my above questions ? I have only gotten this far with the help of the myFico community. Started off with a 487 Score!
- How do I know my limit? I know its a Charge card but there still has to be a limit.After you get your card call in some CSR will tell you were the limit is set ....
-Also, does this mean I can apply for the costco card again without taking a Hard Pull on my credit report? And yes do it right now to reduce the likely hood of a 2nd HP
YMMV
Very rarely does AMEX CSRs give internal limit info out. I would use the check spending ability button online.
They do and will if you tell them your thinking about making a large purchase
I think that is YMMV. More posters report no go than getting the info.
Exactly LS that why im telling OP don't do it now
Would applying for other cards trigger a FR as well?
FR is a YMMV thing. It usually stems from:
AMEX thinking you fibbed on your income
Unusual high spending patterns
Critical report changes
@agforfree5 wrote:
@myjourney wrote:
@LS2982 wrote:
@myjourney wrote:
@LS2982 wrote:
@myjourney wrote:
@agforfree5 wrote:
@myjourney wrote:Congrats
Thank you! But does anyone know the answer to my above questions ? I have only gotten this far with the help of the myFico community. Started off with a 487 Score!
- How do I know my limit? I know its a Charge card but there still has to be a limit.After you get your card call in some CSR will tell you were the limit is set ....
-Also, does this mean I can apply for the costco card again without taking a Hard Pull on my credit report? And yes do it right now to reduce the likely hood of a 2nd HP
YMMV
Very rarely does AMEX CSRs give internal limit info out. I would use the check spending ability button online.
They do and will if you tell them your thinking about making a large purchase
I think that is YMMV. More posters report no go than getting the info.
Exactly LS that why im telling OP don't do it now
Would applying for other cards trigger a FR as well?
No you will be fine go for the costco...do you have a membership with costco already? that can help in some cases YMMV
if not it will be on hold if approved until they setup a costco membership which will be your first charge
@myjourney wrote:
@agforfree5 wrote:
@myjourney wrote:
@LS2982 wrote:
@myjourney wrote:
@LS2982 wrote:
@myjourney wrote:
@agforfree5 wrote:
@myjourney wrote:Congrats
Thank you! But does anyone know the answer to my above questions ? I have only gotten this far with the help of the myFico community. Started off with a 487 Score!
- How do I know my limit? I know its a Charge card but there still has to be a limit.After you get your card call in some CSR will tell you were the limit is set ....
-Also, does this mean I can apply for the costco card again without taking a Hard Pull on my credit report? And yes do it right now to reduce the likely hood of a 2nd HP
YMMV
Very rarely does AMEX CSRs give internal limit info out. I would use the check spending ability button online.
They do and will if you tell them your thinking about making a large purchase
I think that is YMMV. More posters report no go than getting the info.
Exactly LS that why im telling OP don't do it now
Would applying for other cards trigger a FR as well?
No you will be fine go for the costco...do you have a membership with costco already? that can help in some cases YMMV
if not it will be on hold if approved until they setup a costco membership which will be your first charge
Thank You! I will go fot it. Tried to call Amex New accounts for my amex green limit.. but, they are closed right now :-(
@agforfree5 wrote:
@myjourney wrote:
@agforfree5 wrote:
@myjourney wrote:
@LS2982 wrote:
@myjourney wrote:
@LS2982 wrote:
@myjourney wrote:
@agforfree5 wrote:
@myjourney wrote:Congrats
Thank you! But does anyone know the answer to my above questions ? I have only gotten this far with the help of the myFico community. Started off with a 487 Score!
- How do I know my limit? I know its a Charge card but there still has to be a limit.After you get your card call in some CSR will tell you were the limit is set ....
-Also, does this mean I can apply for the costco card again without taking a Hard Pull on my credit report? And yes do it right now to reduce the likely hood of a 2nd HP
YMMV
Very rarely does AMEX CSRs give internal limit info out. I would use the check spending ability button online.
They do and will if you tell them your thinking about making a large purchase
I think that is YMMV. More posters report no go than getting the info.
Exactly LS that why im telling OP don't do it now
Would applying for other cards trigger a FR as well?
No you will be fine go for the costco...do you have a membership with costco already? that can help in some cases YMMV
if not it will be on hold if approved until they setup a costco membership which will be your first charge
Thank You! I will go fot it. Tried to call Amex New accounts for my amex green limit.. but, they are closed right now :-(
Good Luck fingers crossed
Congratulations and welcome to the American Express family!
OP can you post info about your scores and average age and inquiries on CRAs? EXP pull only?