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01/01/13 Who is apping for Amex? What is your profile?

Regular Contributor

Re: 01/01/13 Who is apping for Amex? What is your profile?

I applied for the Amex Gold Card 

 

Denied online...called for manual review...denied by letter.  (reason: delinquent (repo, garn, student loan, fc)  i have none of these...i was 5 pmts late on mtg- 2011 due to loan mod...all other bills pd as agreed...29% util 

 

Submitted recon...."In progress" 12-26-12...submitted goodwill ltr to Wells Hm Mtg for removal...EQ is showing pd as agreed today Smiley Happy

 

Hopeful 

 

checked Fico EQ tonite 736


Last App Oct 2013...applied and received Amex PRG and Blue Sky!
FICO -Walmart = 779
Credit Karma = 781
EX-766, EQ 772, TU-759
Goal: 800
Valued Contributor

Re: 01/01/13 Who is apping for Amex? What is your profile?

I'm apping PRG as soon as i get home from the hotel tonight.
5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Moderator Emeritus

Re: 01/01/13 Who is apping for Amex? What is your profile?

AMEX Approvals.jpg


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Established Contributor

Re: 01/01/13 Who is apping for Amex? What is your profile?


webhopper wrote:

AMEX Approvals.jpg


Why did you app on the 31st?  That will cost you a year of backdating.  Not sure if you care though....

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Moderator Emeritus

Re: 01/01/13 Who is apping for Amex? What is your profile?


flowfaster wrote:

webhopper wrote:

 


Why did you app on the 31st?  That will cost you a year of backdating.  Not sure if you care though....



The business card does not report to personal credit report and also does not backdate to the member since date of consumer cards...  So I locked in my 2012 member since date for the business credit report, and will be able to be backdated to 2012 on the new PRG


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Valued Contributor

Re: 01/01/13 Who is apping for Amex? What is your profile?


SwampSystems wrote:

SnackTrader wrote:

SwampSystems wrote:

bs6054 wrote:

Why BCE?   Don't understand the love for this particular card!


For me, it was just to finally have an Amex card (and thus have one card on each major network). If you don't travel (and don't care for MR points), the BCE makes the best sense as a no-AF, cash-earning Amex product. The glamor has definitely worn off though -- with the exception of Small Business Saturday, I haven't used mine since cashing out the sign-up bonus.


BCP has nothing to do with being a travel card. It's rewards come from grocery stores, department stores, and gas. 3 things you would spend money in even if you never left your own town (assuming you owned a car). 

 

BCP makes fiscal sense for 80% of the population as far as I can tell. The other 20% eats out all the time or doesn't own a car or have other cards that fit those categories. 


Right, which is why I said the Blue Cash series makes more sense than any of the Amex travel cards.


Sorry - the Scorpion Bowls and Champagne blurred my forum vision.  I misread what you had posted, but now see that we were saying the same thing.  I sincerely apologize.


In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Established Contributor

Re: 01/01/13 Who is apping for Amex? What is your profile?


webhopper wrote:

flowfaster wrote:

webhopper wrote:

 


Why did you app on the 31st?  That will cost you a year of backdating.  Not sure if you care though....



The business card does not report to personal credit report and also does not backdate to the member since date of consumer cards...  So I locked in my 2012 member since date for the business credit report, and will be able to be backdated to 2012 on the new PRG


Ok gotcha.  That is pretty smart actually. I did not know that.

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Blogger

Re: 01/01/13 Who is apping for Amex? What is your profile?


webhopper wrote:

AMEX Approvals.jpg


Very nice! I chickened out and decided to wait for my history with Amex to age for another few weeks before applying later this month; hopefully it'll be a hit. Smiley Wink

Super Contributor

Re: 01/01/13 Who is apping for Amex? What is your profile?

I applied for American Express Lowe's Business  Card and got approved for $9800. First I got denied because I reached the  max amount of Amex Cards. Amex Application Status 01032013A.jpg

Valued Contributor

Re: 01/01/13 Who is apping for Amex? What is your profile?


Ron1 wrote:

I applied for American Express Lowe's Business  Card and got approved for $9800. First I got denied because I reached the  max amount of Amex Cards. 


ron how many is too many then? 

 

did you just close a card or did they make an exception? 

 

 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000