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How are app spree's viewed by AMEX

Regular Contributor

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
Message 1 of 10
9 REPLIES
Valued Contributor

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
Message 2 of 10
Valued Contributor

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
Message 3 of 10
Regular Contributor

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
Message 4 of 10
Valued Contributor

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
Message 5 of 10
Valued Contributor

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 & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 6 of 10
Epic Contributor

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.

Message 7 of 10
Super Contributor

Re: How are app spree's viewed by AMEX

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




Message 8 of 10
Valued Member

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)
Message 9 of 10
Valued Contributor

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
12/2014 750+
3/2017 780+
5/2017 800+
Message 10 of 10