11-13-2012 09:01 PM
I am sure people are much more willing to post their success with the 61x3 request than they are a denial (I think I posted long ago that mine was a no go). Which is ok, between Discover and Freedom I've made over 600 cash back compared to what AMEX BLUE or ZYNC offers. AMEX was even a bit misleading about the "bonus" I got with BLUE as far as I was concerned and I told them so too (23,000 points was only worth 120ish in "statement credit").
Don't get me wrong, I still like my AMEX's for what they do, give great protection and CS with purchase issues etc and retaining my oldest credit age, but other than that, they're not really worth the worry they cause some people. I can tell you for a fact, they have changed a bit, and not for the good, in the last 24 years.
This is why I'm posting my denial stories...because if you look through the threads there are way too more approval stories. You would think that no one is getting denied these days.
I'm fine with the credit that I have for the most part, so this isn't a heartbreaker, I just want something over that $5K line.
And I have little doubt you'll get your wish eventually, maybe even via AMEX 6 or so months from now (for them that is, others could be sooner). If I did (not with AMEX yet that I know of, only 3.5k there) I'm sure you can.
Not to prompt an app spree (even 1 app) but have you considered Discover if you don't already have it?
No I haven't. I only wanted the the $5K limit to help with Visa Signature/World Mastercard approvals in the future. I just applied for a CSP and was shot down, in part for not having enough experience with large limits.
The only thing 2 things I would like to add to my wallet are 1) A good no forex fee card (I have to Cap One cards but the benefits are rather lackluster and 2) A no frills, low APR card for carrying balances.
Since I live abroad, Discover's limited acceptance might not be good for me.
11-14-2012 08:35 AM
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO