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Regular Contributor
ramblin_wreck08
Posts: 181
Registered: ‎08-09-2012
0

Got my first Amex in the mail today!

Got home today and had three envelopes from AmEx!  One with the acceptance letter, another with the terms and rewards/benefits info, and the last had om my home pack rewards info with Lowes gift card.  I've gotta say that the Zync itself looks great.  Don't know why, but I'm really excited to have an AmEx charge card in my wallet.  Looking forward to using it without worrying about credit limits or % utilization.

 

Still wondering if I should have gone for the PR Gold, but with the roughly $12k I charge per year, it would have been hard to make it financially beneficial to have the gold, even with the full Membership Rewards.  But I think I'll be really happy with the Zync for now.




What's in my wallet:



Left to right:
NPSL ($10k approved)
$5k (EMV - Chip & PIN)
$7k (Visa Sig + EMV)
$7.5k (WEMC)

Transunion FICO: 709 (8/13/12) -> 740 (9/24/12)
Credit Karma: 772 (11/24/13)
Credit Sesame: 755 (11/5/13)
Regular Contributor
asteroidblues86
Posts: 234
Registered: ‎08-04-2012
0

Re: Got my first Amex in the mail today!

Congrats!

Valued Contributor
jamesdwi
Posts: 1,947
Registered: ‎09-16-2011
0

Re: Got my first Amex in the mail today!

[ Edited ]

If you decide to App for PR Gold wait till January, then you will get 8 months of free backdating goodness for your AAoA. And possibly first year AF waived. 

 

Congats!

 

 

 


Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Zync NPSL, Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Established Contributor
searchingfor67
Posts: 665
Registered: ‎08-02-2011
0

Re: Got my first Amex in the mail today!

Congrats! Great feeling, huh?

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCP $13K | Amex Costco TE $10.4K | Amex SPG $10.1K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Discover IT $9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU Flagship Visa Signature $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $10K | USAA World MC $9K
Established Contributor
MountainHiker
Posts: 651
Registered: ‎08-07-2012
0

Re: Got my first Amex in the mail today!


ramblin_wreck08 wrote:

Got home today and had three envelopes from AmEx!  One with the acceptance letter, another with the terms and rewards/benefits info, and the last had om my home pack rewards info with Lowes gift card.  I've gotta say that the Zync itself looks great.  Don't know why, but I'm really excited to have an AmEx charge card in my wallet.  Looking forward to using it without worrying about credit limits or % utilization.

 

Still wondering if I should have gone for the PR Gold, but with the roughly $12k I charge per year, it would have been hard to make it financially beneficial to have the gold, even with the full Membership Rewards.  But I think I'll be really happy with the Zync for now.


Wow how great that is and you should be proud of your achievement! Really happy for you.

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Regular Contributor
ramblin_wreck08
Posts: 181
Registered: ‎08-09-2012
0

Re: Got my first Amex in the mail today!

Thanks everyone!  I know my Citi Dividends World Mastercard is probably a harder card to get just because of the "World" designation, but having a NPSL AmEx is a great feeling!




What's in my wallet:



Left to right:
NPSL ($10k approved)
$5k (EMV - Chip & PIN)
$7k (Visa Sig + EMV)
$7.5k (WEMC)

Transunion FICO: 709 (8/13/12) -> 740 (9/24/12)
Credit Karma: 772 (11/24/13)
Credit Sesame: 755 (11/5/13)
Regular Contributor
CK_Charles_Lover
Posts: 248
Registered: ‎09-02-2011
0

Re: Got my first Amex in the mail today!

Congrats. You are gonna love amex. 

Trans Union Fico (Walmart) ,690 Experian Fico (Amex) 686(Opened 3 new accounts this month. In the Garden)


AMEX BCE ($19,500) AMEX PRG -(NPSL), BARCLAYS US AIR PREMIER WORLD ($10,000), BOA CASH REWARD -($6,000), CITI HILTON RESERVE SIGGY-(5,000), WALMART DISCOVER ( $5,800), CITI DIAMOND ($4,700), CITI DIVIDED WORLD ($4,500), AMAZON STORE($5,000), NORDSTROM VISA SIG($5,000), PAYPAL STORE ($4,000) Amex Delta Gold ($2000)

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