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Established Contributor
Posts: 540
Registered: ‎10-22-2012
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Fidelity Investments American Express

Has there been any success with recon on this card?  This is the last card that I am interested in apping for just trying to get an idea of what my chances will be in about six months.

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500 | Amex EveryDay - $10,000  | Citi DoubleCash - $15,000

Established Contributor
Posts: 554
Registered: ‎09-28-2012
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Re: Fidelity Investments American Express

I believe it is admin by FIA (BOFA). I never had any issue with them though tbh. 



TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!


Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: Fidelity Investments American Express


zyzzus wrote:

Has there been any success with recon on this card?  This is the last card that I am interested in apping for just trying to get an idea of what my chances will be in about six months.


Hi!  Welcome to the myFico forum!

 

Without knowning your income, credit history and length, and credit scores from myFICO we would have a very hard time determining whether you would have a shot at approval in 6 months.

 

Do you mind sharing a few of these details so that we can give you more informed advice based on our collective experiences?


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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Established Contributor
Posts: 540
Registered: ‎10-22-2012
0

Re: Fidelity Investments American Express

Average age of account: 3 years

Oldest account 8 years 7 months (was added as joint owner to mothers Freedom Card opened in 93 I believe chase backdates will report next month)

Utilization is not a factor for me it is less then 4% I can always PIF

Most recent late payment was 5 years 4 months ago 

I have to negative accounts 

1 will fall off in May of 2013- overpayment from the VA

2 will fall off June of 15 - old cc

 

Transunion Fico is 691 from 11/10/2012 from US Bank

 

current accounts

Barclay Priceline Visa $2,000 limit opened Nov 2012

US Bank Cash (not plus) opened Nov 2012 (didn't get approved for cash plus) limit $3,000

Chase Freedom limit $1000 opened Aug 2012

Chase Amazon limit $1000 opened Sep 2012

Cap 1 limit $750 opened Jan 2012

Elan Fin Services limit $400 opened mar 2011

 

Hope this helps thanks webhopper

 

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500 | Amex EveryDay - $10,000  | Citi DoubleCash - $15,000

Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
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Re: Fidelity Investments American Express

This card was listed by the Nov Consumer Reports as either the best or one of the top three cash back cards.  I would guess that that caused a lot of apps (from non-members of this and similar forums).  I don't know if this will allow them to increase their approval level (making the card harder to get).

 

I applied a few weeks ago, got a "we will let you know in 30 days" notice.  I sort of forgot about it, until about a week later I got a notification from Credit Sesame(I think) that I had a new account, and it showed the new card and CL. The card and notification from Fidelity (or FIA rather) came two weeks after that!  So not great process communication.

Frequent Contributor
Posts: 385
Registered: ‎02-06-2009
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Re: Fidelity Investments American Express

I opend a Fidelity brokerage account for the sole purpose of getting this card. Very simple reward structure. So far, I LOVE it. 


Current Score 08/20/2015 - TU 794 (Discover TU FICO® Score 8)
Current Score 07/28/2015 - EQ 786 (Citi EQ FICO® Bankcard Score 8)
GOAL - 800! - App free since 05/18/2015
Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012
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Re: Fidelity Investments American Express

It's a good cash-back card and it's one that isn't mentioned very often. Recently they killed off the best benefit of the card (1:1 transfer into aeroplan miles), but even as a straight 2% cash back card with no AF, it still remains decent.

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Established Contributor
Posts: 540
Registered: ‎10-22-2012
0

Re: Fidelity Investments American Express

I've had a brokerage account worth about $4,500 for about two years.  I had my 401K in it for a while but rolled it out earlier this year.  I didnt' know if they would be able to take that into consideration when underwriting.  I have two apps this month if I have a chance I'll app for this now or wait.  My fico score is what worries me I think it would auto-decline me as it isn't the best.  Would like to hear some thoughts thanks for the replies thusfar.

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500 | Amex EveryDay - $10,000  | Citi DoubleCash - $15,000

Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
0

Re: Fidelity Investments American Express

It definately cant hurt. I say go for it and if you don't get it; garden. The number of new accounts and inquiries on your report are hurting you most right now

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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Established Contributor
Posts: 540
Registered: ‎10-22-2012
0

Re: Fidelity Investments American Express

You really think I have a shot with everything mendioned and 5 inquiries?

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 (I know what an odd limit) | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $7,500 | Amex EveryDay - $10,000  | Citi DoubleCash - $15,000

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