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AMEX True Earnings Approved with 657 FICO TU

Regular Contributor

AMEX True Earnings Approved with 657 FICO TU

I should have been in the garden, but....

 

I want to buy some electronics from Costco. I figured may as well go for it.

Applied online with some difficulties due to the 3-step fancy web page. Try several different links from Google search and different browsers. Finally got the 3-step thing to work after about 5 tries. Got the "your application needs further review ....14 days message". Checked online status --> Approved. Called the number on the backdoor thread and YES the CL is $1500.

 

FICO TU (checked today) 657 (went down about 20 points, probably from the recent apps). FICO EQ last week is 655.

 

Recent apps:

1) Sept 2012: CapitalOne Spark Cash Select (2K CL)

2) October 2012: AMEX SimplyCash (3K CL)

3) October 2012: Discover More (1K CL)

4) November 2012: Target REDCard ($300 CL)

 

Is there a number I can call to find out what my limit is for the True Earnings.

 

Definitely should be in the garden NOW. Seriously.... By the way, thanks everyone. This forum is super awesome. I promise I'll be doing some gardening now.

 

 

FICO Scores 8: EX 731, EQ 731, TU 725

Credit Cards: Chase Freedom 9.5K | AMEX TrueEarnings 4.5K | Cap1 Venture Visa 3.5K | Cap1 QS MC 3.5K | Discover IT 1K | Cap1 Spark Cash 15K | AMEX SimplyCash 9K

Store: PayPal SmartConnect 10K | JCP 5.2K | Banana 3.3K | Walmart 4.5K | Kohls 1.5K | TargetRED 200
Message 1 of 11
10 REPLIES
Valued Contributor

Re: AMEX True Earnings Approved after SimplyCash

Congrats, that's great! See you in the garden. Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 2 of 11
Regular Contributor

Re: AMEX True Earnings Approved after SimplyCash

Congrats! 

Message 3 of 11
Regular Contributor

Re: AMEX True Earnings Approved with 657 FICO TU

I was approved for $1500 but about a month ago I was approved for AMEX SimplyCash for $3000.

Can I call the App Status number on the backdoor to ask them to match the $3000 CL?

 

Thanks

FICO Scores 8: EX 731, EQ 731, TU 725

Credit Cards: Chase Freedom 9.5K | AMEX TrueEarnings 4.5K | Cap1 Venture Visa 3.5K | Cap1 QS MC 3.5K | Discover IT 1K | Cap1 Spark Cash 15K | AMEX SimplyCash 9K

Store: PayPal SmartConnect 10K | JCP 5.2K | Banana 3.3K | Walmart 4.5K | Kohls 1.5K | TargetRED 200
Message 4 of 11
Valued Contributor

Re: AMEX True Earnings Approved with 657 FICO TU

They might pull your report when you app for amex simply cash..............congrat thou


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 5 of 11
Established Contributor

Re: AMEX True Earnings Approved with 657 FICO TU

Congrats

Message 6 of 11
Valued Contributor

Re: AMEX True Earnings Approved with 657 FICO TU

Congratulations!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 7 of 11
Frequent Contributor

Re: AMEX True Earnings Approved with 657 FICO TU

yet another AMEX i want/need... sucks they're so sensitive to other lenders looking at your reports.  6 months in the garden for me.


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Message 8 of 11
Frequent Contributor

Re: AMEX True Earnings Approved with 657 FICO TU

Did they pull TU ? and what part of country do you live in ?

About 400k in Credit Lines
CSP 29.9k, Citi DP 42.5k, Chase Marriott 12k, Chase IHG 6.5k, Sams MC 20k, Amex Hilton Surpass 356k, Hawaii Air 26k, Discover More 50k, Chase SWA 3.5k, WF PLOC 30k, B of A Visa 43.8k, Wells Plat Visa 8.3k, RC Willey 5k, Pen Fed Visa 43.7k, Pen Fed PLOC 25k, Lowes 25k, CSR 28.8k
Message 9 of 11
Regular Contributor

Re: AMEX True Earnings Approved $1500, with 657 FICO TU


Bay_Area_Joe wrote:

Did they pull TU ? and what part of country do you live in ?


Yes, they pulled TU and I'm living in South California. Got a CK update this morning. 

 

Anyway, I called AMEX and asked for the 2x CLI because I have a business card with $3K (one month old just PIF with $2600 and current bal is $300)

The rep said "sorry can't do it on the True Earnings yet, but I can try to see if I can give you a CLI on your 1-month old Business Amex". I confirmed with her this going to be a soft pull. Said yes. Then she went ahead and asked me for annual income, then DECLINED.

 

I then asked her when I can call back for CLI for both cards, and she said "90 days from today, both BOTH CARDS which is 2/6/2013". I told her I've been waiting for my 60-day CLI for the business card, and the True Earnings is due in 2 months. And she said that's the way it is. She should have informed me about the 90 DAYS thing (if I get declined) but she did not. She was a very nice (oversea) lady so I did not want to give her a hard time. But I regret for asking for the CLI on the business card and got declined which set off 3 months for both cards. On the bright side, I should be gardening for 3 months at least anyway.

FICO Scores 8: EX 731, EQ 731, TU 725

Credit Cards: Chase Freedom 9.5K | AMEX TrueEarnings 4.5K | Cap1 Venture Visa 3.5K | Cap1 QS MC 3.5K | Discover IT 1K | Cap1 Spark Cash 15K | AMEX SimplyCash 9K

Store: PayPal SmartConnect 10K | JCP 5.2K | Banana 3.3K | Walmart 4.5K | Kohls 1.5K | TargetRED 200
Message 10 of 11