Am Ex ED invitation to apply?

[Anonymous]

I have a PGR and a BCE with a low limit. Today I got an email with an invitation to apply for an ED. The offer has 15,000 points after $1000 spend, 0% for 15 months , and a 13% APR. If I click on apply now it goes to a page that has a code and asks for the last 4 of my social.

Has anyone apped with one of these offers? I looked and didn't see the opt out wording. But there was a fixed APR. I had been thinking of apping EDP with the 30,000 bonus. I'm on the fence... I don't want a low SL.  My EX is 744. 

[jamesdwi]

Got one as well, but they just turned me down for a Credit Limit move, I love it when the credit card marketing department and Undrewriting don't follow  the same play book.  

This is almost like something Chase or CapOne would do, apply for a CLI and get shot down apply for a new card get approved for a 15k CL.  

[Anonymous]

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@jamesdwi wrote:

Got one as well, but they just turned me down for a Credit Limit move, I love it when the credit card marketing department and Undrewriting don't follow  the same play book.  

This is almost like something Chase or CapOne would do, apply for a CLI and get shot down apply for a new card get approved for a 15k CL.  

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So it might be just marketing? That's what I was afraid of. BOO!

[Anonymous]

Amex is pretty accurate with their targeted audience .. with specific apr ... sounds like a good pre approval to me ... I got a $15k SL on this card with an average profile... One of my first cards that gave me the larger lines (did 3x cli when card arrived.- 10/15)

[Anonymous]

If I may, how much is the limit on the BCE and how long have you had it for?  The reason being if the BCE is new and you are looking for a bigger limit then you are better off waiting although the offer has a fixed APR.

[Anonymous]

My SL was $2500. I tried for cli at activation denied. So then I tried again at 60 days. No go. Said I was denied cli within the last 90 days. Many many mistakes with clis My 5th statement cut last week. That's why I would love a do over with a decent SL.

[Anonymous]

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@Anonymous wrote:
My SL was $2500. I tried for cli at activation denied. So then I tried again at 60 days. No go. Said I was denied cli within the last 90 days. Many many mistakes with clis My 5th statement cut last week. That's why I would love a do over with a decent SL.

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So by estimation, you have had it since January? Then don't apply if you were denied a CLI. Give it sometime as Amex likes to see history.  The offer you received was probably just a marketing offer.

[Anonymous]

Good advice. Thank you!

[Anonymous]

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@Anonymous wrote:
Good advice. Thank you!

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You are welcome!

[castor4072]

Mooshi.....I received the same email you did....same APR...debating on pulling the trigger!

Rowncole....how long ago did you get the 15K SL...cold app for it, or received an email also?