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Contributor
crew99
Posts: 77
Registered: ‎12-01-2012
0

amex everyday approved!! (questions)

Thanks to all you guys here at the forum, I finally was just approved for the amex everyday card last night!!  :smileyvery-happy:

I called to find out what my limit was and it was only 2,000.  

1.  Can you call to see if they will increase the starting limit? Or better just to wait for the 61 days CLI

2.  I applied for the SPG at the same time, and got the pending 4-5 day before processing.  Does that mean it already did another hard pull on my credit report?  or will it actually do the hard pull at the 4-5 day.  If i'm denied I know it's usually a soft pull if you already have a card, but since I just got the everyday would that be different?

3.  Is it actually better to cancel the spg app and wait a while to build up my credit with amex and then apply for maybe a much bigger starting CLI for SPG, or with the 61 day CLI it'll get there eventually anyway (right)?

 

sorry for all the questions, i'm just so happy I finally got in amex... now the choices start  :smileyvery-happy:

thank you all!!


Starting Score: CK 658 12/4/12 | CS 658 12/4/12 | myFico(EQ) 696 12/1/12
Current Score: CK 725 12/1/14 | CS 775 12/1/14 | myFico(EQ) 753 12/2/14
Goal Score: 800 Dare I Dream??


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Valued Contributor
parakleet
Posts: 1,145
Registered: ‎04-13-2013
0

Re: amex everyday approved!! (questions)

[ Edited ]

crew99 wrote:

Thanks to all you guys here at the forum, I finally was just approved for the amex everyday card last night!!  :smileyvery-happy:

I called to find out what my limit was and it was only 2,000.  

1.  Can you call to see if they will increase the starting limit? Or better just to wait for the 61 days CLI You can but it'll probably be another HP so I'd just wait to do the 61 day cli.

2.  I applied for the SPG at the same time, and got the pending 4-5 day before processing.  Does that mean it already did another hard pull on my credit report?  or will it actually do the hard pull at the 4-5 day.  If i'm denied I know it's usually a soft pull if you already have a card, but since I just got the everyday would that be different? The HP is probably already done. Not sure if the SP/HP rule will apply in your case since you apped for both at the same time. 

3.  Is it actually better to cancel the spg app and wait a while to build up my credit with amex and then apply for maybe a much bigger starting CLI for SPG, or with the 61 day CLI it'll get there eventually anyway (right)? Canceling won't make a difference. I'd just wait to hear back about the SPG and go from there with the 61 day cli. 

 

sorry for all the questions, i'm just so happy I finally got in amex... now the choices start  :smileyvery-happy:

thank you all!!


Congrats.


Gardening since 7/16/14
Current: EQ 711 7/13/14; EX 724 TU 721 6/19/14
Goal: 760+
Community Leader
Mega Contributor
coldnmn
Posts: 15,883
Registered: ‎08-08-2011
0

Re: amex everyday approved!! (questions)

Congrats on the new card!

My Wallet /US Bank Cash+ Signature $10,000/ Ace US Bank Signature $10,000 / Sam's Mastercard $8500
/ Walmart Mastercard $8000 / Discover IT $5000 / Care Credit $5000
/ Husqvarna $5000 / PayPal SmartConnect $4800 / Cap1 Quicksilver $4000 / Barclay Ring $3550
Last App 8/12/14 /

Senior Contributor
yudeology101
Posts: 4,652
Registered: ‎06-21-2012
0

Re: amex everyday approved!! (questions)


parakleet wrote:

crew99 wrote:

Thanks to all you guys here at the forum, I finally was just approved for the amex everyday card last night!!  :smileyvery-happy:

I called to find out what my limit was and it was only 2,000.  

1.  Can you call to see if they will increase the starting limit? Or better just to wait for the 61 days CLI You can but it'll probably be another HP so I'd just wait to do the 61 day cli.

2.  I applied for the SPG at the same time, and got the pending 4-5 day before processing.  Does that mean it already did another hard pull on my credit report?  or will it actually do the hard pull at the 4-5 day.  If i'm denied I know it's usually a soft pull if you already have a card, but since I just got the everyday would that be different? The HP is probably already done. Not sure if the SP/HP rule will apply in your case since you apped for both at the same time. 

3.  Is it actually better to cancel the spg app and wait a while to build up my credit with amex and then apply for maybe a much bigger starting CLI for SPG, or with the 61 day CLI it'll get there eventually anyway (right)? Canceling won't make a difference. I'd just wait to hear back about the SPG and go from there with the 61 day cli. 

 

sorry for all the questions, i'm just so happy I finally got in amex... now the choices start  :smileyvery-happy:

thank you all!!


Congrats.


Congrats on your approval!! 

 

Since you've app'ed 2 revolvers at the same time, it'll most likely result in 2HPs regardless of if approved or denied, YMMV.  The 1HP for 2 cards apply to 1revolver + 1 charge cards.  I would wait it out for the 61day 3xCLI, it'll go by fast!

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +13more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 9/12/14*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 as of 12-12-13)
Senior Contributor
alvon123
Posts: 9,028
Registered: ‎09-24-2013
0

Re: amex everyday approved!! (questions)

congrats


Valued Contributor
gdale6
Posts: 9,622
Registered: ‎12-13-2013
0

Re: amex everyday approved!! (questions)

Grats on your approval OP :smileyhappy:

EX Cred Ses 12/14: 796 ; EX Fico 04 V2 06/14: 775; EX Fico 08 07/14 778 ; EX Fico 08 BC 12/14: 858
EQ Fico 05/14 781 ; EQ MPM 12/14: 750
TU Fico 8 12/14: 719; TU MPM 06/14 706
Valued Contributor
dodgerslv
Posts: 1,843
Registered: ‎06-16-2012
0

Re: amex everyday approved!! (questions)

Congrats on the Everyday approval and good luck on the SPG app!!!


Cards: (Citi- 82.7k) (Chase- 65k)) (US Bank- 18k) (Amex- 22.5k) (Barclays-40k) (BofA- 68k) (Cap1- 49.5K) (WF- 11k) (Penfed- 22.5k) (Discover- 8k) (Sync/GE- 15.7k) (NASA- 30k) (Diners- 15k)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Valued Contributor
BigBS
Posts: 2,268
Registered: ‎02-18-2014
0

Re: amex everyday approved!! (questions)

Congrats!


AMEX BCP - $34.5K | AMEX Delta SkyMiles Gold - $10.4K | AMEX Platinum - NPSL | BofA BBR VISA - $15K | BofA Merrill Lynch + VS - $15K | Barclaycard Arrival WMC - $17.5K | Chase freedom VS - $5.5K | CSP VS - $25K | Chase Slate VS - $13.8K | Citi DC - $23.9K | Citi HD - $25K | Coldwater Creek MC - $15K | Discover it - $14.5K | FIA AMEX - $16K | Synchrony/HH Gregg - $10K | Synchrony/Lowes - $25K | LMCU PP VISA - $10K | NFCU cashRewards VS - $30K | NFM (Store Card) - $6K | PFCU Platinum CRV+ - $39K | US Bank Cash+ - $16.5K | US Bank Cash+ - $12.5K | USAA WMC - $20.3K Last HP 16 Nov 14 - Gardening into 2016.
Contributor
crew99
Posts: 77
Registered: ‎12-01-2012
0

Re: amex everyday approved!! (questions)

Thanks parakleet and everyone!  Even though it's only 2,000 limit I'm still super excited to be back in amex (although with CS my score was showing 773 so I was bummed with the limit at first).   Do I do the backdating after the card arrives?  How do I know if it actually backdated?


Starting Score: CK 658 12/4/12 | CS 658 12/4/12 | myFico(EQ) 696 12/1/12
Current Score: CK 725 12/1/14 | CS 775 12/1/14 | myFico(EQ) 753 12/2/14
Goal Score: 800 Dare I Dream??


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Valued Contributor
-Wade-
Posts: 12,624
Registered: ‎08-13-2013
0

Re: amex everyday approved!! (questions)

Congrats on your approval :smileyhappy:

Old user name newportguy*** Current Score: myFico EQ - 806 (04/04/2014) Discover TU Fico - 813 (09/02/2014) myFico EX - 804 ( 07/08/2014 ) ******* Amex - BCP 10 K * Discover - IT 10.5 K * U.S. Bank Cash + Visa Signature 8.8 K * PenFed - Cash Rewards 5 K * Amex - GDSM 5 K ****** FICO 800 Club Member ******* EQ 806 *** TU 813 *** EX 804 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 830's Scores ******

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