Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
Posts: 118
Registered: ‎06-10-2012
0

How are app spree's viewed by AMEX

I am a brand new AMEX green member NPSL. I have several store cards and as far as CC's it's only Chase Freedom $400 CL 6 yrs and Orchard $300 CL for 1 yr now. I feel that now that my scores are getting good that I need some good to signature cards to help my revolving acct.'s. But which cards can I count on that will give me 2k CL's and how will AMEX FEEL about the timing of this mini spree. Please someone help me with strategy. PLEASE....
 

Starting Score:
585
Current Score: FICO TU 725 FICO EQ 735 EX 754
Goal Score: 850


Take the FICO Fitness Challenge
Valued Contributor
Posts: 2,299
Registered: ‎07-23-2012
0

Re: How are app spree's viewed by AMEX

im not sure on how to answer this since im not an amex user yet. 

but are you saying you've had a chase freedom for 2 years and they never upped your limit from 400? 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
0

Re: How are app spree's viewed by AMEX

Be hard to move to 2k from your current cl.  I would recommend holding off app for a 3 months.  App for Amex revolver then.  Amex has great cli policies.

               LIMITS IN CARD DESCRIPTIONS
Regular Contributor
Posts: 118
Registered: ‎06-10-2012
0

Re: How are app spree's viewed by AMEX

I have had it for 6 years and they have upped once from $200 to $400. I want to add 1 or 2 more cards which are considered signature type that may give me 2k CL's. And I want some opinions on how AMEX will view these new cards or how they may react if any?
 

Starting Score:
585
Current Score: FICO TU 725 FICO EQ 735 EX 754
Goal Score: 850


Take the FICO Fitness Challenge
Valued Contributor
Posts: 3,096
Registered: ‎01-26-2012
0

Re: How are app spree's viewed by AMEX

Visa signature usually means 5k.  Amex is somewhat tolerant of app sprees.

               LIMITS IN CARD DESCRIPTIONS
Valued Contributor
Posts: 2,287
Registered: ‎09-16-2011
0

Re: How are app spree's viewed by AMEX


Dishpro wrote:
I have had it for 6 years and they have upped once from $200 to $400. I want to add 1 or 2 more cards which are considered signature type that may give me 2k CL's. And I want some opinions on how AMEX will view these new cards or how they may react if any?

Even with your 724 score It will be  hard to get a signature card, most creditors base the CL they give you on the CL's you currently have. If they see a 400 CL the computer may give you  500 and think they are doing your a favor  20% higher than your current limit. Most creditors want some exprerience with higher credit limit (at least 3-4k) before they drop a 5k limit on you. Start by calling up chase and requesting a CLI, even if its a HP it will pay off with higher limits on other cards you are approved for. After your new limit on the Chase card reports app for an AMEX revolver you could do it sooner but it would be better after the CLI, if your income supports charge more heavily on your green card and pay off so AMEX see's you can handle a higher limit. 

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 & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5k, Walmart 10k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 10k and a nice stack of store cards.
Last APP/HP 4/22/2015
Epic Contributor
Posts: 25,866
Registered: ‎10-23-2007
0

Re: How are app spree's viewed by AMEX

Try Citi Forward

Barlcay Apple - call back door even if instant approval and ask for more, they are only open till 5 or 6 eastern but they are fab and they will ask questions once verified... it's simple.

Fico Scores 8: EX 694. TU 689. EQ 658. 05/26/2015
Super Contributor
Posts: 6,672
Registered: ‎04-07-2008
0

Re: How are app spree's viewed by AMEX

FRom my personal experience, they are sensitive to inqs.  Again YMMV




Valued Member
Posts: 94
Registered: ‎07-21-2012
0

Re: How are app spree's viewed by AMEX


Dishpro wrote:
I am a brand new AMEX green member NPSL. I have several store cards and as far as CC's it's only Chase Freedom $400 CL 6 yrs and Orchard $300 CL for 1 yr now. I feel that now that my scores are getting good that I need some good to signature cards to help my revolving acct.'s. But which cards can I count on that will give me 2k CL's and how will AMEX FEEL about the timing of this mini spree. Please someone help me with strategy. PLEASE....

Just and FYI. You should use a secure browser when applying or completly clean. They know you asked this question since they track you with inhouse and third party cookies. Also the app process verifies all open browsing during applying claiming to be only looking for 6 of there partner sites to see if they are currently 'in use'...

 

I don't like amex anymore after I saw the disclosure after applying. That and the denial Smiley Happy

 

CS 701, CK 682, Credit.com 719/ TU FICO 666 (DIS 8/12) EU FICO 658 (8/12)
After spree CS 738, CK 684, TU FICO 666 (Dis 8/5)

WF Secured 600Cl (7/11), Discover More 1.5k (8/12), Walmart 150CL(8/12), Cap1 Platinum w/Credit steps($300) (8/12)
Highlighted
Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
0

Re: How are app spree's viewed by AMEX

I've not read a thread about Amex closing accounts due to INQ. 

 

I've read 100 about Barclays closing accounts due to INQ.

5/2012: 560 credit scores across the board and $500 secured CC
12/2014: 750+ scores across the board and $80k in revolving credit

Get those baddies removed!!!
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.