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JUST GOT APPROVED!!! AMEX GREEN!!

Mega Contributor

Re: JUST GOT APPROVED!!! AMEX GREEN!!


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.




EQ FICO 548 3/3/16
Message 11 of 56
Super Contributor

Re: JUST GOT APPROVED!!! AMEX GREEN!!


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 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 12 of 56
Contributor

Re: JUST GOT APPROVED!!! AMEX GREEN!!


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 


THANKS A LOT everyone! I will call CSR right now and check. I am also give it a shot by applying for a revolving CC on Amex right now

Message 13 of 56
Super Contributor

Re: JUST GOT APPROVED!!! AMEX GREEN!!


agforfree5 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 


THANKS A LOT everyone! I will call CSR right now and check. I am also give it a shot by applying for a revolving CC on Amex right now


No NO No call when you get card ....you can app costco now if you like

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 14 of 56
Regular Contributor

Re: JUST GOT APPROVED!!! AMEX GREEN!!

There's a tool on the amex webpage, called something like "will my charges be approved?". You can plug a number in, and see if it says yes or no. You can also all and ask, or if you're going to have a bunch of expenses (reimbursed business travel, etc) tell them. The number will depend on your spending history, your reported income, etc.
Message 15 of 56
Contributor

Re: JUST GOT APPROVED!!! AMEX GREEN!!


myjourney wrote:

agforfree5 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 


THANKS A LOT everyone! I will call CSR right now and check. I am also give it a shot by applying for a revolving CC on Amex right now


No NO No call when you get card ....you can app costco now if you like


Why can't I call now? They can't revoke my approval... right lol ?

Message 16 of 56
Established Contributor

Re: JUST GOT APPROVED!!! AMEX GREEN!!

Congrats! Also doesnt checking your spending ability often trigger an FR? Maybe i read wrong.
Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Message 17 of 56
Contributor

Re: JUST GOT APPROVED!!! AMEX GREEN!!


ObeyJohnny12 wrote:
Congrats! Also doesnt checking your spending ability often trigger an FR? Maybe i read wrong.

Im sort of new..what is a FR?

Message 18 of 56
Super Contributor

Re: JUST GOT APPROVED!!! AMEX GREEN!!


agforfree5 wrote:

myjourney wrote:

agforfree5 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 


THANKS A LOT everyone! I will call CSR right now and check. I am also give it a shot by applying for a revolving CC on Amex right now


No NO No call when you get card ....you can app costco now if you like


Why can't I call now? They can't revoke my approval... right lol ?


When you call with new card they tend to think you maybe getting ready to make a large purchase and tell you the limit...all CSR don't like to expose the limit set Lol

And no they won't take back your approval....LOL

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 19 of 56
Super Contributor

Re: JUST GOT APPROVED!!! AMEX GREEN!!


ObeyJohnny12 wrote:
Congrats! Also doesnt checking your spending ability often trigger an FR? Maybe i read wrong.

I have heard the same thing if you abuse it ...As long as you just don't do it constantly I hear its ok 

 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 20 of 56