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amex everyday approved!! (questions)

Contributor

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!!  Smiley Very 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  Smiley Very 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??


Take the FICO Fitness Challenge
Message 1 of 17
16 REPLIES
Valued Contributor

Re: amex everyday approved!! (questions)


crew99 wrote:

Thanks to all you guys here at the forum, I finally was just approved for the amex everyday card last night!!  Smiley Very 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  Smiley Very 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+
Message 2 of 17
Mega Contributor

Re: amex everyday approved!! (questions)

Congrats on the new card!

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $13.5k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $6.1k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $4.85k / Citi DC (WMC) $7.1k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 3 of 17
Senior Contributor

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!!  Smiley Very 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  Smiley Very 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 | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 4 of 17
Senior Contributor

Re: amex everyday approved!! (questions)

congrats


Message 5 of 17
Moderator

Re: amex everyday approved!! (questions)

Grats on your approval OP Smiley Happy

"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne
Message 6 of 17
Valued Contributor

Re: amex everyday approved!! (questions)

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

gardening since 5/21/2016
Message 7 of 17
Valued Contributor

Re: amex everyday approved!! (questions)

Congrats!

AMEX (BCP - $25K, Platinum - NPSL, SCP Bus - $17.5K, SPG - $20K)|BOA (BBR - $15K, CR - $15K)|Barclays (Arrival+ - $17.5K, Ring - $15K)|Blispay - $10K|CAP1 (QS - $30K, Venture - $30K)|Chase (AARP - $15K, freedom - $5.5K, CSP - $25K, MRP Bus - $15K, Slate - $13.5K)|Citibank (DC - $28.2K, HD - $25K)|Discover it - $32.5K|Fidelity IR - $16K|Huntington Voice - $17K|LMCU - $10K|NFCU (cashRewards - $30K, GoRewards - $30K, CLOC - $15K)|PFCU (CR - $30K, Defender - $20K, LOC - $10K)|Synchrony Lowe's - $25K|US Bank Cash + ($12.5K, $21K)|USAA (Cash Rewards - $16K, Rewards - $23.4K, WPAOG - $10.5K)
Message 8 of 17
Contributor

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??


Take the FICO Fitness Challenge
Message 9 of 17
Valued Contributor

Re: amex everyday approved!! (questions)

Congrats on your approval Smiley Happy

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
Message 10 of 17