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

Is it the case that you are not planning to apply for anything else (you mentioned this in your first post)?  If so, then applying now is certainly OK, because a) you might get it

and b) with two other inquiries this month, another one will age off at the same time and it won't count against you as you aren't applying for anything else.  So, if you aren't successful, then wait your planned six months (or if you can, a year for these inquiries to not count as part of the score).

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

No I really can't think of any other cards I'd want to be honest.  I want to PC to a legit cash+ eventually and when my score warrants it a bce from amex.  I think the fia amex would really be a fantastic addition to what I have. 

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
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Re: Fidelity Investments American Express

I think you have a chance; and even if you don't get it; you haven't harmed yourself because like bs6054 said; your inquiries will be aging off right around the same time. Obviously you should be prepared for either accept or decline but at this point one more inquiry isn't the end of the world... as you've already accrued several.

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
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Re: Fidelity Investments American Express

Applied....

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

GOT APPROVED FOR $5,000!  It wasn't instant on the computer but I called in and the credit analyst didn't ask me one question!  Highest limit yet GARDEN TIME!

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

New Contributor
Posts: 63
Registered: ‎07-21-2012
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Re: Fidelity Investments American Express

Congrats!

Scores: EQ-798 EX-802 TU-786

CC: |Amex PRG - NPSL| |Citi Simplicity - 22.6K| |CapOne No Hassle Rewards - 20K| |Chase Freedom 17.5K| |CSP 15K| |Discover IT - 7.8K| |Discover More - 6.1K| |GE PC Richard - 4.5K| |Amex Delta Gold - 3.5K| |Citi Goodyear - 2.5K| |CapOne Kohls - 1.5K| |GAP - 1.5K| |Macy's Amex - 1K| |Ann Taylor - 0.5K| |NY&C - 0.5K|
Frequent Contributor
Posts: 384
Registered: ‎02-06-2009
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Re: Fidelity Investments American Express


zyzzus wrote:

Applied....

GOT APPROVED FOR $5,000!  It wasn't instant on the computer but I called in and the credit analyst didn't ask me one question!  Highest limit yet GARDEN TIME!


CONGRATULATIONS! You're gonna love the simplicity of the card... 2% on everything! Time to relax in the garden :smileyhappy:


11/02/2012 Peak - EQ 790 (ScoreWatch EQ FICO)
01/06/2015 Current - TU 831 (Walmart MasterCard TU FICO 08 Classic)
GOAL - 800! - App free since 05/18/2015
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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Re: Fidelity Investments American Express

That's awesome congratulations!!! I'm glad now that I encouraged you to apply!

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
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Re: Fidelity Investments American Express

Web I appreciate you encouraging me to apply as well! 

 

I read this thread several times since the day I posted it and was back and forth for a while. 

 

bs6054 and you both pointed out with the inqs i already had might as well.  I'm definitely really ahppy about this there isn't even another card I'd like to app for.

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


zyzzus wrote:

Web I appreciate you encouraging me to apply as well! 

 

I read this thread several times since the day I posted it and was back and forth for a while. 

 

bs6054 and you both pointed out with the inqs i already had might as well.  I'm definitely really ahppy about this there isn't even another card I'd like to app for.

Congratulations.  Remember to set up your Fidelity brokerage account (maybe you can reopen the one you closed?) to maximise the reward structure.

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

Its actually still open.  I just rolled out my 401k.  My brokerage account has had about 45000-5500 account value for about two years.  On the online app it asks for the fidelity account number and I am thinking that my personal account may have influenced the decision.  I've had to recon every card I had.  I'll be curious to see which beurea they pulled from.

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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