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New Amex Everyday Approval

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Genecio
Valued Member

New Amex Everyday Approval

SO Amex issued the two new Amex Everyday Cards in late April.  Ifirst attempted a product change (PC) from Blue from American Express to Amex Everyday to no avail.  They told me I would have to start a new application.  I applied, yet was declined because of my Amex Internal Risk Score (Based on Soft Pull from March 15th, 2014). At that time it stated my Experian Score was 702.  I waited a month then re-applied two days ago.  

 

The application was in process but was on hold becuase of my credit Experian Credit Freeze.  So I asked why would they need to see that if they usually do frequent soft pulls?  Amex rep replied that they would need to see a new credit report/score.  

 

I decided to pull the trigger and unlock my Experian and risk a Hard Pull (HP).....to my suprise American Express said "Congratualations, you've been approved for Amex Everyday Card with Introductory Rate of 0% for 15 months and if I spend $1000 in the next three months I'd get 10K membership reward points"!  The credit limit was a little on the toy-ish side ($2000) but beggars can't be choosers....I got my foot in the door and I can always wait 60 days and try for an increase.

 

I now have 4 Amex products i.e.  Blue from American Express ($1000)  American Express Platinum (NPSL)  Zync from AMerican Express (NPSL) and now  American Express Everyday ($2000)....Yea Me!!!!


Experian 715 (09/04/2013), T/U 706 (12/05/2013), Equifax 743 (12/05/2013).
Message 1 of 17
16 REPLIES 16
LearningMoreAboutCredit
Frequent Contributor

Re: New Amex Everyday Approval


@Genecio wrote:

SO Amex issued the two new Amex Everyday Cards in late April.  Ifirst attempted a product change (PC) from Blue from American Express to Amex Everyday to no avail.  They told me I would have to start a new application.  I applied, yet was declined because of my Amex Internal Risk Score (Based on Soft Pull from March 15th, 2014). At that time it stated my Experian Score was 702.  I waited a month then re-applied two days ago.  

 

The application was in process but was on hold becuase of my credit Experian Credit Freeze.  So I asked why would they need to see that if they usually do frequent soft pulls?  Amex rep replied that they would need to see a new credit report/score.  

 

I decided to pull the trigger and unlock my Experian and risk a Hard Pull (HP).....to my suprise American Express said "Congratualations, you've been approved for Amex Everyday Card with Introductory Rate of 0% for 15 months and if I spend $1000 in the next three months I'd get 10K membership reward points"!  The credit limit was a little on the toy-ish side ($2000) but beggars can't be choosers....I got my foot in the door and I can always wait 60 days and try for an increase.

 

I now have 4 Amex products i.e.  Blue from American Express ($1000)  American Express Platinum (NPSL)  Zync from AMerican Express (NPSL) and now  American Express Everyday ($2000)....Yea Me!!!!


Congrats...


Any advice given is always YMMV...

Current FICOs: 740+ across the board | Goal: >760 FICO | Total CLs: $63.3k/$60k Goal | Utilization: 19% | Last App: 05/01/2014 | INQ: EX: 10, EQ: 8, TU: 5, All Expire 06/2016; No Collections/Charge Offs/BK's | AAoA: 7yrs.
| All Reports Frozen!!! | No Apps til 12/2015 | Homeowner since: 06/28/13 | White Whales: Marriott Rewards, Discover IT, Sallie Mae WMC, Sams MC
Message 2 of 17
gdale6
Moderator Emeritus

Re: New Amex Everyday Approval


@Genecio wrote:

SO Amex issued the two new Amex Everyday Cards in late April.  Ifirst attempted a product change (PC) from Blue from American Express to Amex Everyday to no avail.  They told me I would have to start a new application.  I applied, yet was declined because of my Amex Internal Risk Score (Based on Soft Pull from March 15th, 2014). At that time it stated my Experian Score was 702.  I waited a month then re-applied two days ago.  

 

The application was in process but was on hold becuase of my credit Experian Credit Freeze.  So I asked why would they need to see that if they usually do frequent soft pulls?  Amex rep replied that they would need to see a new credit report/score.  

 

I decided to pull the trigger and unlock my Experian and risk a Hard Pull (HP).....to my suprise American Express said "Congratualations, you've been approved for Amex Everyday Card with Introductory Rate of 0% for 15 months and if I spend $1000 in the next three months I'd get 10K membership reward points"!  The credit limit was a little on the toy-ish side ($2000) but beggars can't be choosers....I got my foot in the door and I can always wait 60 days and try for an increase.

 

I now have 4 Amex products i.e.  Blue from American Express ($1000)  American Express Platinum (NPSL)  Zync from AMerican Express (NPSL) and now  American Express Everyday ($2000)....Yea Me!!!!


Grats on your ED Smiley Happy

Message 3 of 17
coldnmn
Mega Contributor

Re: New Amex Everyday Approval

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 4 of 17
alvon123
Super Contributor

Re: New Amex Everyday Approval

congrats


Message 5 of 17
BigBS
Senior Contributor

Re: New Amex Everyday Approval

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
Anonymous
Not applicable

Re: New Amex Everyday Approval

Congrats!
Message 7 of 17
Genecio
Valued Member

Re: New Amex Everyday Approval

Thanks, I tried.....#WINNING


Experian 715 (09/04/2013), T/U 706 (12/05/2013), Equifax 743 (12/05/2013).
Message 8 of 17
coldnmn
Mega Contributor

Re: New Amex Everyday Approval

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 9 of 17
CreditHealthy
Established Contributor

Re: New Amex Everyday Approval

Congrats!

What's in my sock drawer? NFCU LOC 15,000] NFCU Cash Rewards 20,000][ Golden 1Platinum Rewards Card 6,600 Discover It 5,000,] {NFCU goRewards 17,500} Barclaycard 1250.00,]Cap one 750.00 ], Watering my garden for the next five years:-)
EQUIFAX 727 EXPERIAN 732 TRANSUNION 743 FICO} STARTING SCORE....554 July 2013
Message 10 of 17
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