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Valued Contributor
Posts: 1,607
Registered: ‎09-15-2012
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Re: CANT BELIEVE IT!!!


tylaw13 wrote:

Let me add i just finished with my credit union like 5 minutes ago refinancing my auto loan from 16% to 1.98% and taking 9 months off the loan! Payemnt went from 284 - 244. Sorry if im bragging im just very happy!


Great job!  You're going to save a lot of money.  That's the whole idea of having good credit, if you show some responsibility then companies will be happy to do business with you at a low cost.  I can't wait until I can get a rate like that!


In My Wallet: Amex BCP (12/12) $32,000, Chase Freedom (12/12) $16,500, Citi Forward (12/12) $14,600, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Thank You Premier (6/15) $6,800

Last App: June 27, 2015
New Contributor
Posts: 95
Registered: ‎04-02-2012
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Re: CANT BELIEVE IT!!!

Congrats!

 

I just got that card about 8 mo ago. Same CL as you. 2k. I was really surprised they gave me that much cause my my highest CL was 1k at the time. Then just after 60 days I used the wonderful CLI button on the website and BAM! 6k CL!! So yea I love me some AMEX!

 

I did just app for the starwood card the other day just to try cause I knew i was going to go into gardening mode and not app for anything for a while. I was dennied. Which I kind of expected. Got the letter today. It highlighted my age of AMEX account (8 mo's), the amount of my payments for my current BCE (since im in the intro 0% APR period I've not payed in full every month or even close to it.) and the number of inquiries (3). Thought this info may be helpful to those wanting a second AMEX card.

 

I'm very glad I got an AMEX as my second real card. Enjoy!

 

Don't forget to hit "THE BUTTON" on day 61. They don't even do a hard pull at that time they just use your previous pull and I think maybe do a soft pull. So don't srew up Smiley Happy

From no credit to EQ 747 in 16 months using info from these forums!

Chase Freedom 3k, Chase Slate 5k, Chase Sapphire Preferred 6.4K Amex Blue Cash 9k, Discover More 5K, Citi Simplicity 3.2k

RIP: Orchard/Cap1 520CL

Fico 726

Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
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Re: CANT BELIEVE IT!!!


CONGRATS!!!!!!!!!

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
Posts: 553
Registered: ‎02-14-2012
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Re: CANT BELIEVE IT!!!

Yes. AMEX is 24/7/365!
AmEx Platinum | AmEx BCP | AmEx Delta Gold | CSP | Chase Freedom | NFCU cashRewards Visa Sig | NFCU Plat MC | WM MC | Discover it | JCP


Established Contributor
Posts: 657
Registered: ‎06-27-2012
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Re: CANT BELIEVE IT!!!

Congratulations, on y list of cards to get next.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Established Contributor
Posts: 912
Registered: ‎06-14-2012
0

Re: CANT BELIEVE IT!!!

[ Edited ]

Congrats on your AMEX and Car Refi, Going from 16% to 1.9 is freakin AWESOME!!



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
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Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: CANT BELIEVE IT!!!

Congrats on the car refinance and the new card!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



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