Amex SP's

snowkitty · ‎01-09-2013

I'm new to Amex. From reading different posts, it looks like does a sp each month when your new....is that correct?

I normally pif each month but I've ran balances on 4 of my cards since December for Christmas stuff. I will have them all pif by the end of Feb. Should I be worried?

SwiftTone · ‎01-09-2013

I wouldn't be worried. Whats your utilization.

Pretty much every bank SPs just to make sure your in good graces of other banks.

AMEX: $25,000, CSR: $10,000, Chase Priority Club: $1,500, Freedom: $5000, Freedom Unlimited: $1000, Discover: $21,000, BoA $11,000, WF Cash Wise: $5000

EQ FICO - 753
TU FICO - 755
EX FICO(AMEX) - 766

snowkitty · ‎01-09-2013

About 22% with my credit report showing the new amex credit line or about 25% if that 2400.00 is not showing up yet.

Most of my cards are at 0.00 balance

This is what will post within the next 7 days...

FNBO 650/3500
Discover 650/1500
Sams Discover 1100/1800
Walmart 500/1000

I tried to spread the charges around. I'm mostly worried about the sams discover card but I put a tv on it for 0% interest for 18 months

Duncanrr · ‎01-09-2013

I would get the SAMs card under 50% UTIL. That is a separate ding other than total UTIL.

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750
Take the FICO Fitness Challenge

SwiftTone · ‎01-09-2013

@snowkitty wrote:
About 22% with my credit report showing the new amex credit line or about 25% if that 2400.00 is not showing up yet.

Most of my cards are at 0.00 balance

This is what will post within the next 7 days...

FNBO 650/3500
Discover 650/1500
Sams Discover 1100/1800
Walmart 500/1000

I tried to spread the charges around. I'm mostly worried about the sams discover card but I put a tv on it for 0% interest for 18 months

at 22% I wouldn't worry much about it.

AMEX: $25,000, CSR: $10,000, Chase Priority Club: $1,500, Freedom: $5000, Freedom Unlimited: $1000, Discover: $21,000, BoA $11,000, WF Cash Wise: $5000

EQ FICO - 753
TU FICO - 755
EX FICO(AMEX) - 766

snowkitty · ‎01-09-2013

That one cuts on the 12th. GE takes forever to post...do you think I would have time to get it posted before Saturday?

Duncanrr · ‎01-09-2013

Pay in store.

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750
Take the FICO Fitness Challenge

snowkitty · ‎01-09-2013

Thanks! I just paid 150.00 on the Sam's Discover and called for a cli. I was nervous and only asked for 2500.00 and they approved it so I will be under 50% before the statement cuts.

Duncanrr · ‎01-09-2013

Nice. Congrats

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750
Take the FICO Fitness Challenge

creditnocash · ‎01-09-2013

@Duncanrr wrote:
I would get the SAMs card under 50% UTIL. That is a separate ding other than total UTIL.

oh really? hmm

lemme make some calls to lower my util then!

Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23
Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0

2023 Goals:
Buy A Home
Earn Cash Back

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

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