Credit Cards

[newbeeneedadvise]

I had previously applied for the Amex clear card in April and was denied. over the past two months several inquires fell off and 2 paid collections fell off. I tried again today just because I was bored and when I was denied the last time they never pulled any of my credit reports.  So I said what the hay.  To my shock I was instantly approved with a credit limit of $12,800.  I have the blue card with them a $2000 limit and I had the gold card which I closed a few months ago so I would not have to pay a fee. I checked my ex and tu reports and there is an inquiry on ex.

[joestay]

Congratz.

That is a nice credit limit.   How long have you had your blue card?  Also, what was the reason for denial the first time?

[5thWheel]

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newbeeneedadvise wrote:

I had previously applied for the Amex clear card in April and was denied. over the past two months several inquires fell off and 2 paid collections fell off. I tried again today just because I was bored and when I was denied the last time they never pulled any of my credit reports.  So I said what the hay.  To my shock I was instantly approved with a credit limit of $12,800.  I have the blue card with them a $2000 limit and I had the gold card which I closed a few months ago so I would not have to pay a fee. I checked my ex and tu reports and there is an inquiry on ex.

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Congrats...It sounds like you made out OK then........ 12k VERY NICE

[newbeeneedadvise]

I got the blue in October.  The reason I was denied the first time, they said my amex score was to low because the length of time I had credit with them, to many inquires, and past collections with other creditors even though they were paid collections.  That's why they didn't do a hard pull because they do there on scoring first. 

[Alexandria]

Congrats! The Clear is such a cool looking card lol.

[asteroidblues]

Congrats. I use this card and it's pretty good.