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@hussain99 wrote:Dustink
I just noticed your sig & I'm like "what the....". You're one lucky dude. With less than 1 year of credit history, such low AAoA & with so many inquiries, you got such high limits. How did you get those? Way to go!
I think based on your sig, Amex HH is not a bad option either, what do you say?
I focused on one back at the start (US Bank). With my spending habbits I showed them that I needed high limits. Once they gave me good limits I was then able to get credit from other lenders who tried to match those limits.
Amex HHonor is not a bad card. No AF and a decent sign up bonus. I think you stand maybe a 10% chance at approval.
You just got a card from them, and you were marginal when you got it. IF you want something other than a charge card, you chances of approval are slim.
@Dustink,
Once you start getting higher limits from other lenders,
what exactly do you say to the others in regards to matching that higher limit?
Thanks,
JS
@hussain99 wrote:Sorry I didn't get this.
I got Amex Delta in December. If I get a card in Jan (or Feb) next year, it would be backdated to Jan (or Feb) 2012.
Am I missing something here?
No your not missing anything the thing is that why are you in such a rush to get another Amex so quickly even if you get another card in say Oct. 2014 it still will be backdated to jan 2012 so why the rush. No matter when you apply you backdate will be Jan. 2012.
Also like someone said if you got approved for 1k on their easiest card then you were definitely borderline. I personally would wait the 61day for the 3x cli then if your income and spend warrant apply for another 3x cli 6 month after. Time is on your side no need to rush it.