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AMEX Question

Regular Contributor

AMEX Question

I just started building credit 6 months ago and i just got an amex gold premier rewards.

I started to use this card as my main card, and this first month i'm going to spend around 600 and pay it off of course

 

My other 3 credit cards are low limit. All around $500

 

My question is if I will use this charge card for 1 year heavily, and always pay on time, will they give me a high credit limit in 1 year with one of their revolving cards ?

Or they look more on my other accounts limit ?

 

I'm planning in January 2014 to apply for an amex credit card, so it will be backdated to january 2012

I want to be ready for next year and try to get a high limit.

 

I want to know from personal experience what will impact my first limit they will give me. Mainly my other accounts limit or my history with amex ?

FICO 8's EX 770 EQ 751 TU 771 (1/16/17)
Amex Gold Premier rewards ( Charge Card)
Amex Blue cash - $47,800 Wells Fargo - $15,000 Citibank Simplicity - $13,800 Barclays Apple - $13,000 Walmart Mastercard - $8000 Chase Slate - $7,200 Discover It - $5,500 Capital One - $5,250
Message 1 of 15
14 REPLIES
Blogger

Re: AMEX Question

With the current scores in your signature, you can get your first Amex revolving card in January 2013 even, if you're willing to settle for a less desirable card, i.e. not the BCP/BCE. Smiley Wink

Message 2 of 15
Valued Contributor

Re: AMEX Question

I'm waiting to app for BCE in January. I hope my score and UTIL of under 10% is good enough. I have Amex Green (10/12), will be 3 months old when I app for BCE.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 3 of 15
Blogger

Re: AMEX Question


armbenderc wrote:

I'm waiting to app for BCE in January. I hope my score and UTIL of under 10% is good enough. I have Amex Green (10/12), will be 3 months old when I app for BCE.


I thought you were the OP and was really confused lol

Message 4 of 15
Highlighted
Regular Contributor

Re: AMEX Question

so which card would i be able to get in january ? 

what limit would i be getting ?

 

FICO 8's EX 770 EQ 751 TU 771 (1/16/17)
Amex Gold Premier rewards ( Charge Card)
Amex Blue cash - $47,800 Wells Fargo - $15,000 Citibank Simplicity - $13,800 Barclays Apple - $13,000 Walmart Mastercard - $8000 Chase Slate - $7,200 Discover It - $5,500 Capital One - $5,250
Message 5 of 15
Blogger

Re: AMEX Question

You should expect a 1k-2k limit on the Gold Skymiles. If you charge a lot on the Green and pay in full before applying, possibly more but not a whole lot. 

Message 6 of 15
Valued Contributor

Re: AMEX Question


pat0812 wrote:

so which card would i be able to get in january ? 

what limit would i be getting ?

 


Depends on the reward that you want. Amex delta seems to one of the easier to get. With your score, If you want BCE/P, I would go for it.

 

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 7 of 15
Frequent Contributor

Re: AMEX Question

From my experience of reading on forums and websites, the easiest Amex revolvers to get are the Delta Cards or the Hilton card I believe. The hardest to get from what I have seen are the BCE/BCP and the Starwood card. 

Bank of America: Cash Rewards.- 4.2k. 4/25/12 (CLI Increase 6/15/13, CLI May of 2015, sept 2015), Citi: Forward- 4.5k. 10/27/12 (CLI on 2/8/14, SP, CLI on 9/26/15 sp). Discover: More- 7k, 10/27/12 (Increase 6/1/14, CLI in May of 2015, SP 9/2015) Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 5k (EX CLI HP 9/2015) Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-5k 12/8/13 (CLI on 9/2015) Capital one VentureOne Visa Signature-10k (9/6/15). Citi AAdvantage Platinum Select World MasterCard-4K. Last App: 9/6/15. Total cl: 45,300
Message 8 of 15
Valued Contributor

Re: AMEX Question

i managed to squeak out a $2800 starting CL with the delta gold using scores in my sig.
5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 9 of 15
Valued Contributor

Re: AMEX Question


Repo-ed wrote:
i managed to squeak out a $2800 starting CL with the delta gold using scores in my sig.

That is awesome. I can't wait to app in January for BCE. Smiley Very Happy

 

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Message 10 of 15