Reply
Established Contributor
CruzImperial
Posts: 867
Registered: ‎07-04-2012
0

Re: From Capital One $500 limit to American Express

Congrats on the amex success! They are really an awesome partner to have business with. Are you aiming for a revolver in the near future?

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Super Contributor
CS800
Posts: 6,548
Registered: ‎04-07-2008
0

Re: From Capital One $500 limit to American Express

Congrats Joe !

 

Great card to have BTW




Senior Contributor
youngandcreditwrthy
Posts: 6,204
Registered: ‎08-16-2012
0

Re: From Capital One $500 limit to American Express

That's a reallllyyyy good idea! I'll have to get that 3xcli at 61days to be able to pay for all of my tuition, and then I can put next semester's tuition on it and get that cashback!!!!!:-D I noticed that my BCE even has the "check spending ability" button too. Do you have any idea if they pull your credit for that?! Hmmmm

We just gotta make sure we only improve our credit from here, esp. considering older people hate on us a lot of times for using credit LOL

:-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012
0

Re: From Capital One $500 limit to American Express

Congrats! I have found that as long as you have a job with steady income, and no derog's on your report, the Amex charge cards are fairly obtainable. My first CC ever was the Amex Zync. Other than that, I had nothing else on my CR other than SL's. So I skipped the whole subprime lenders altogether.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Frequent Contributor
jd5189
Posts: 470
Registered: ‎08-14-2012
0

Re: From Capital One $500 limit to American Express


youngandcreditwrthy wrote:
That's a reallllyyyy good idea! I'll have to get that 3xcli at 61days to be able to pay for all of my tuition, and then I can put next semester's tuition on it and get that cashback!!!!!:-D I noticed that my BCE even has the "check spending ability" button too. Do you have any idea if they pull your credit for that?! Hmmmm

We just gotta make sure we only improve our credit from here, esp. considering older people hate on us a lot of times for using credit LOL

:-)

I wish I could do this with my tuition but they charge a 2.5% fee for CC payments, so it would kill any possible rewards :smileymad:

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Established Member
twelfthjoe2
Posts: 152
Registered: ‎09-17-2012
0

Re: From Capital One $500 limit to American Express


CruzImperial wrote:
Congrats on the amex success! They are really an awesome partner to have business with. Are you aiming for a revolver in the near future?


Thanks :smileyhappy: As of right now I don't really want a revolver, I never really carried a balance on my Capital one card. However I'll probably never use the Capital One again for not wanting to give me a CLI when American Express was willing to give me a card with at least a 5k limit from what I can tell with the check spending ability. Did not want to try any higher lol.

Established Member
twelfthjoe2
Posts: 152
Registered: ‎09-17-2012
0

Re: From Capital One $500 limit to American Express


CS800 wrote:

Congrats Joe !

 

Great card to have BTW


Thank you. :smileyhappy:

Established Member
twelfthjoe2
Posts: 152
Registered: ‎09-17-2012
0

Re: From Capital One $500 limit to American Express


youngandcreditwrthy wrote:
That's a reallllyyyy good idea! I'll have to get that 3xcli at 61days to be able to pay for all of my tuition, and then I can put next semester's tuition on it and get that cashback!!!!!:-D I noticed that my BCE even has the "check spending ability" button too. Do you have any idea if they pull your credit for that?! Hmmmm

We just gotta make sure we only improve our credit from here, esp. considering older people hate on us a lot of times for using credit LOL

:-)

No they don't pull credit again. From what I understand its just a hidden limit on your card and you find out once you hit it. I had my schooling on there when I did the 5k check and it said it would be approved. So that would of been about 8k on the card and I never plan on putting that much on there so I'm not to worried.

 

Established Member
twelfthjoe2
Posts: 152
Registered: ‎09-17-2012
0

Re: From Capital One $500 limit to American Express


jd5189 wrote:

Congrats! I have found that as long as you have a job with steady income, and no derog's on your report, the Amex charge cards are fairly obtainable. My first CC ever was the Amex Zync. Other than that, I had nothing else on my CR other than SL's. So I skipped the whole subprime lenders altogether.


Thanks :smileyhappy:

Moderator Emeritus
webhopper
Posts: 7,230
Registered: ‎09-16-2011
0

Re: From Capital One $500 limit to American Express

Congrats! Great card to have! Do they waive the fee for the first year?

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!



Take the myFICO Fitness Challenge

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+