Apped for AMEX Hilton Surpass

[crunching_numbers]

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@FrugalRican wrote:

Oh, please!!!

Like you get denied for cards!

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I have been denied MANY times over the years.  3 times by Kohl's alone. AMEX was mad at me for a while, and I just got back into the AMEX happy zone. CL is only $3K, since 3x has only happened once since they forgave me.  And I have a lot of very new CC's.

I will admit that I have fixed alot of my credit issues.  Only one late left on my CR.  Stupid Hollywood VIdeo collection is gone. Debt is a lot lower than it was a year ago.  Income is better.  With all that said, I am STILL that younger woman struggling with the somewhat messed up credit ON THE INSIDE.  I am still expecting to hear NO all the time.  I am sure plenty of you can relate.

[OhioCPA]

Yes I did. My BCE was at $3K when I applied for the Surpass. I was given $10K on the Surpass. I suppose there are a lot of factors but your portfolio is a lot better than mine was at the time, thus my wager.

[crunching_numbers]

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@OhioCPA wrote:

Yes I did. My BCE was at $3K when I applied for the Surpass. I was given $10K on the Surpass. I suppose there are a lot of factors but your portfolio is a lot better than mine was at the time, thus my wager.

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OhioCPA that is VERY encouraging to hear.  I really hope you are right!  I used to have a 5 figure CL with Blue (before it was a BCP) but they cut if to $1k for lack of use (before I really had this credit stuff down pat).  I am sure I will get the limit back up again with 3x CLI's over time.  Now it is a waiting game.

[BoysMumx2]

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@crunching_numbers wrote:

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@FrugalRican wrote:

Oh, please!!!

Like you get denied for cards!

---

I have been denied MANY times over the years.  3 times by Kohl's alone. AMEX was mad at me for a while, and I just got back into the AMEX happy zone. CL is only $3K, since 3x has only happened once since they forgave me.  And I have a lot of very new CC's.

I will admit that I have fixed alot of my credit issues.  Only one late left on my CR.  Stupid Hollywood VIdeo collection is gone. Debt is a lot lower than it was a year ago.  Income is better.  With all that said, I am STILL that younger woman struggling with the somewhat messed up credit ON THE INSIDE.  I am still expecting to hear NO all the time.  I am sure plenty of you can relate.

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OH BOY can I relate!  I get where you're coming from and I'm in the same boat.  

I really want the BCP (family of 4, with two boys - yeah, I want that grocery reward!)...  **sigh**

[crunching_numbers]

The "In Progress" message will likely drive me crazy.  I have checked the app status like 20 times already.  I hate the waiting. They did the HP, so I figure it is good, but it is the waiting that will do me in. 

[webhopper]

Good Luck!  I can relate..  I don't like calling NFCU cause I'm afraid they'll realize they made a big mistake 

But now that Joey and I are legally married, I don't feel quite as hesitant.

I'm sure you'll be approved, the question is, what will your CL be?  dum dum (jeapordy theme song)

[FrugalRican]

CALLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL.

BTW, those CC denials are a thing of the past, pre-2012.

You live in different financial times now.

[crunching_numbers]

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@FrugalRican wrote:

CALLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLLL.

BTW, those CC denials are a thing of the past, pre-2012.

You live in different financial times now.

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Are you CRAZY?  I am afraid of jinxing the whole thing. Maybe they will change their mind.  The idea of dealing live before they come down with an answer makes my heart race.  I am a big ole chicken!

You might believe they are a thing of the past.  Me???  I think I will be the first person in AMEX history to see a HP on EX and then get denied.  They will be like "I'm sorry Mrs. Crunching, but we made an error with that HP, but since it is already there, we are not going to remove it.  And while we have you on the phone, how about a FR?  Have a nice day."   

As far as different financial times?  I am living in a recession.  CC companies are still too unpredictable.  UGH.  I wish I was brave enough to call and end the self induced stress.  cluck. cluck. cluck.

[crunching_numbers]

APPROVED!  Yay!!!!

[OhioCPA]

Congrats! 

CL? (I assume you won't call for that either)