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Stoked with first Amex + BA Visa approval!!

Member

Stoked with first Amex + BA Visa approval!!

A bit of background: I made bad financial decisions while in College and my parents helped me out and put me back in shape but it left a mark in my credit history (a few 90+ delinquencies, I believe) and a fear of using any type of credit. After graduating and getting a stable job with a decent pay I started to care about credit history again. So I fixed what I could and applied for a CC with Bank of America, with whom I had a checking account for over a decade. They denied me for anything that was not insured and I looked other places. Nobody would give me anything uninsured. My goal was to get an SPG Amex as I am very into traveling, but after calling backdoor to ask them to re-consider their denial, I was once again denied because I did not have other revolving accounts. They told me to apply again after I kept a card for a year. At this point my Equifax Fico score was about 710. Then out of the blue I applied for a United MileagePlus Explorer from Chase and after much calling to backdoor numbers (with the help of this wonderful board) I finally was approved for this card with a $2500 CL. I was very happy and have paid it as agreed for 7 months, only carrying a balance a couple of months. At this point my Equifax Fico was 689 and my Transunion Experian Score was 816 (a grade of B), I bring this one up because I believe it's what Amex pulls. I went to the Amex website and applied for the SPG card and was approved instantly!! I had a back up plan to apply for the British Airways card from Chase and they also approved me instantly... with a $6500 CL!! That is almost 3 times the CL I had on my other Chase card! The BA 100k miles offer was too good to pass, and I plan on making my SPG card my every day card along with my United card, so I won't be applying for anything else right now. I am just very happy to be approved for these as I was fearing I'd be years away from getting my credit fixed up.

 

 

Message 1 of 9
8 REPLIES
Super Contributor

Re: Stoked with first Amex + BA Visa approval!!

Congrats all it took was a little time/ revolving history

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 2 of 9
Contributor

Re: Stoked with first Amex + BA Visa approval!!

Congratulations!
Message 3 of 9
Established Contributor

Re: Stoked with first Amex + BA Visa approval!!

Congratulations on both card approvals!!  And don't forget to ask for a 3x CLI on that Amex card at 61 days.  It should be a soft-pull.  What limit did you get on the Amex card?  If you haven't already, you can call Amex and ask.

FICOs: TU08 850 EQ08 850 EX08 849

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex BCE $12K; BofA Visa $10.1K; BofA TR Visa $18K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Costco Visa $19.3K; Citi Double Cash $13.5K; Citi Simplicity Visa $23.3K; Discover IT $50K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $50K; Sallie Mae WMC $17.5K; Sears MC $10.1K; US Bank Cash+ Visa Sig $26K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Message 4 of 9
Valued Contributor

Re: Stoked with first Amex + BA Visa approval!!

Congrats, nice going!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 5 of 9
Contributor

Re: Stoked with first Amex + BA Visa approval!!

Congrats Great Job!!!


Starting Score: 585
Current Score: TU 734 Walmart EQ 704 FICO EX 721
Goal Score: 750 Across the board


Take the FICO Fitness Challenge

Message 6 of 9
Member

Re: Stoked with first Amex + BA Visa approval!!

$7200 for the amex.
Message 7 of 9
Contributor

Re: Stoked with first Amex + BA Visa approval!!

Whoa!! Nice. Congrats. I was just approved for my 1st ever Amex this morning. Adrenaline is still rushing.

Starting Score: 585
Current Score: TU 734 Walmart EQ 704 FICO EX 721
Goal Score: 750 Across the board


Take the FICO Fitness Challenge

Message 8 of 9
Established Contributor

Re: Stoked with first Amex + BA Visa approval!!

Bravo!!  Way to handle a bad situation and turn it around to make it work for you!  Nice intensity with the phone recons, because it can be bloody discouraging to be rejected multiple times.  Way to hang in there and make it work!!

 

Congrats!!


NFCU #1 Fan!! NO MOAR APPS TIL 10/13 Minimum!!
TU -746, EX - 721, EQ -745
Cards:NFCU Flag Visa Sig $10000, CSP $8500, AMEX BCP $2000 Freedom $3500, Disc IT $5000, Cap 1 Green $2100, Credit 1 CLOSED! AU on Amex Green, Discover $2000, Cap One Plat $1000
Message 9 of 9