Credit Card Center Advertiser Disclosure†
08-06-2012 08:53 PM
08-06-2012 09:50 PM
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
Earn Cash Back
|Amex Zync(Unicorn) |
Citi DC $10,000
08-06-2012 09:52 PM
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.
08-06-2012 10:20 PM
08-07-2012 07:08 AM
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.
08-07-2012 11:16 AM
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.
08-07-2012 03:18 PM
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
08-07-2012 04:43 PM
I've not read a thread about Amex closing accounts due to INQ.
I've read 100 about Barclays closing accounts due to INQ.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† 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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.