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Valued Member
ednajen
Posts: 52
Registered: ‎12-16-2010

I really can't believe it! Amex + Chase Luv!

[ Edited ]

I've been dying to get a hotel rewards card for a while now.  I was set on the Hilton HHonors but I found the Chase Hyatt to be a better deal... I really got tired of waiting for my scores to update, so when Credit Sesame reported a cli and lower utl today I took the plunge.

 

Applied for the Chase Hyatt by pretending to book a hotel, this way I would receive the $100 statement credit on first purchase to take care of my annual fee of $75.

 

To my surprise I was approved for 5k! This is my highest limit yet and I'm so happy.  After reading all the threads here I honestly thought I might get 1k or maybe even $500. So I figured I'd go for my Amex Gold just so I can quit for a while, again...approved!  I'm so happy!!! :smileyvery-happy:

 

I have one paid medical collection, my Walmart TU is 675, Credit Sesame EX FAKO is 645 and myFico EQ is 635. 

 

I'm still thinking about that Amex Hilton Hhonors for the rewards. But maybe I should quit while I'm up.

 

 

Cards on hand: Discover IT, Victoria's Secret, Chase Sapphire Preferred, Chase Hyatt
Virtual cards: Amazon Store Card, Paypal Smart Connect
Cards at home: Amex Zync NPSL - Merrick - Jareds - Capital One Plat - Walmart Store Card - Macys Store Card - Amex Gold NPSL
Valued Contributor
Epcot
Posts: 2,592
Registered: ‎10-10-2012

Re: I really can't believe it! Amex + Chase Luv!

Nice going, Congrats on your approvals!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 777 EX 767 TU 771
App free since 4/11/12
Frequent Contributor
CribDuchess
Posts: 435
Registered: ‎09-12-2011

Re: I really can't believe it! Amex + Chase Luv!

Nice job!  Congratulations!!


FICOs: Walmart TU08 800 5/13/13; TU98 783 5/2/13; EQ 758 5/2/13; EX 741 (per US Bank 7/24/12)

My Wallet: Amex Gold NPSL w/Pay-Over-Time; Amex Optima Platinum $25K; Amex Costco TE $5K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Cash Rewards Visa Signature $8K; Chase Freedom MC $7.5K; Citi Simplicity Visa $10.9K; Discover $5K; US Bank Cash+ Visa Signature $20K; Walmart Discover $10K
Frequent Contributor
NewbieReed
Posts: 416
Registered: ‎12-05-2012

Re: I really can't believe it! Amex + Chase Luv!

Thats great! Congrats on the approvals.

Starting Score: 526 EXP 09/2012 600 FICO 10/2012 608 EX (lenderpull)11/2012
Current Score: 4/2013 TU FICO 697, 02/2013 EQ 698 FICO (lender) 04/2013 674 Credit Sesame
NEW GOAL SCORE FOR 2013Breaking into the 700 club
[OLD GOALS: For now- 680 on all 3 = GOAL REACHED IN 02/2013}
Take the FICO Fitness Challenge
App Free since 2.8.13
Established Contributor
kevinjjc
Posts: 885
Registered: ‎01-14-2009

Re: I really can't believe it! Amex + Chase Luv!

Congrats on your approvals for prime cards and breaking the 5k barrier!!

Valued Contributor
nicholasyud
Posts: 1,602
Registered: ‎08-13-2012

Re: I really can't believe it! Amex + Chase Luv!

EQ Fico 635 : That's a record for Amex and Chase man.....Congratttttttt very nice....


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK
Goal Score: 800


Walmart: 10k | Usaa: 4k | BCE: 3k | Amex Green: NSPL | Cap: 2k | Disco: 1.7k | ORchar: 0.4k

Valued Member
ednajen
Posts: 52
Registered: ‎12-16-2010

Re: I really can't believe it! Amex + Chase Luv!

[ Edited ]

Thank you all:smileyhappy:

 

@nicholasyud I know right? I honestly only applied because I know they both seem to pull experian and then maybe transunion.  Just a month of research has led me to believe that my experian is a bit higher than what CS shows.  I don't have much debt and all my balances on my cc are zero (except one). I've had two cli but none of these scores have updated.  My income probably helped too.  

 

Would you guys take a chance on the Amex Hhonors? My thinking here is I get free nights each year on the Hyatt, I can probably run enough to earn two free nights each year.  But the honors has a better earning structure where I could  probably earn a free night through their program as well. Am I being greedy?  EDIT: Nevermind, it's going to be hard enough limiting my transactions between the three main cards I already have (Discover, Amex Gold, Hyatt).  In the long run i won't earn enough points on the Hilton to matter.

Cards on hand: Discover IT, Victoria's Secret, Chase Sapphire Preferred, Chase Hyatt
Virtual cards: Amazon Store Card, Paypal Smart Connect
Cards at home: Amex Zync NPSL - Merrick - Jareds - Capital One Plat - Walmart Store Card - Macys Store Card - Amex Gold NPSL
Valued Contributor
youngandcreditwrthy
Posts: 3,789
Registered: ‎08-16-2012

Re: I really can't believe it! Amex + Chase Luv!

I keep talking myself in and out of another Amex too haha!
Paypal Extras Plat MC $25k | Lowe's $12k | Amex BCE $10.5K | WMT Discover $15k | Ban Repub Visa $14k | Dillard's $10k | Travelocity Amex $7.7k | JCP $6.5K | Smile Gen $6.25k | Freedom Visa $5k | Citi Dia Pref $5k | C1 No Hassle Cash Visa $5k | Discover IT $4.75k | Amazon Store $10k | ANFitch $2.95k | Express $3.05K | Chevron $2.1k | Orchard Gold $1.7k
Established Contributor
MsLadyRover
Posts: 756
Registered: ‎03-14-2012

Re: I really can't believe it! Amex + Chase Luv!

Two great cards! Congratulations on your approvals.


Starting Score: 639 (Walmart TU)
Current Score: TU 688 (myFICO) EX 679 (Credit Sesame) EQ 660 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Valued Member
ednajen
Posts: 52
Registered: ‎12-16-2010

Re: I really can't believe it! Amex + Chase Luv!

@youngandcreditwrthy Yup! I had to think about it this morning. :smileyhappy:

 

@MsLadyRover Yes thanks!, I wasn't even thinking about trying to get a 5k line.

Cards on hand: Discover IT, Victoria's Secret, Chase Sapphire Preferred, Chase Hyatt
Virtual cards: Amazon Store Card, Paypal Smart Connect
Cards at home: Amex Zync NPSL - Merrick - Jareds - Capital One Plat - Walmart Store Card - Macys Store Card - Amex Gold NPSL

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