OMG! Approved for Amex Blue w/$10k CL!

[boardworks]

After spending the last 6 months aggressively pursuing PFD and other tactics to clean-up my credit records, I *finally* applied for my first prime CC after having only rebuilder cards from Orchard and CapitalOne -- this time, I applied for the American Express Blue Cash Preferred Rewards card.  I opted to apply via phone and spoke to a wonderful CSR named Jaime who took my app.  I was soooo nervous, palms were sweating and my heard was racing!  Jaime (CSR) was so sweet listening to my story when we were going through the app process -- and when she said "Finally, do I have your permission to submit your application" my heart stopped beating for at least 10 seconds -- and then, Jaime shouted "Hooray!  You've been approved, congratulations!"  Got the card with a 0% intro rate for 12 months and a $10k CL!

I can't tell you how great it feels to have built my credit back to good standing!  I LOVE myFICO Forums!  You all have done so much for me without really knowing it, but thanks to everyone who's ever posed here!

One question for you experts: now that I have a huge self-esteem boost, I am tempted to apply for another CC (Marriott Rewards Visa from Chase, received a pre-approved offer for 50k miles) but don't want to over do it.  Is there any risk of Amex reversing their decision if I apply for another CC, or is there a risk for my approval with Chase because of the Amex application?

Thanks again all!

[cf2701]

Congrats!!

[Anonymous]

I recently did Amex and chase back to back with no issues. They pulled different scores. I was a new chase customer but this is my second Amex (if it matters).

[Cranston]

congrats - great limit.

[Switch2007]

Thats soooo awesome! I definitely know the feeling of being approved after so much hard work in cleaning up credit. 

I say you should go ahead and apply. Your scores are pretty good, and you should have a good chance of being approved. How great! I'm so happy for you!

[Creditaddict]

The only reason I would wait on the Chase app is if your new Amex is by far your highest CL.  Chase is a weird bag of who knows most of the time.

btw I think that is pretty much an amazing starting CL with Amex... My friend just got Costco with a TU Fico of 802 and was given $7500.

[LTomBerry]

If you don't mind me asking, how many CCs did you have before this and how long were they open? I'm pretty sure I want to get this card.

[boardworks]

Thanks all for your support!

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@LTomBerry wrote:

If you don't mind me asking, how many CCs did you have before this and how long were they open? I'm pretty sure I want to get this card.

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I have three CC's:

• @Orchard Bank Master Card @ $700 CL
• @Orchard Bank Visa @ $700 CL
• @Anonymous Platinum Visa @ $750 CL

I also have three installment loans (auto) and a mortgage with Wachovia.  It is a huge CL, but I'm very happy for that!  Thanks again all

[LTomBerry]

How long have your existing cards been open?

[Creditaddict]

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I have three CC's:

• Orchard Bank Master Card @ $700 CL
• Orchard Bank Visa @ $700 CL
• CapitalOne Platinum Visa @ $750 CL

I also have three installment loans (auto) and a mortgage with Wachovia.  It is a huge CL, but I'm very happy for that!  Thanks again all

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Credit cards are so weird sometimes... don't get me wrong not hating on you at all!!! but how does the computer system at Amex see $750 as highest CL currently and pop back a 10k line with 700 score.  it's got to be because of the mortgage in my eyes... that's the only thing that the 2 people i know with recent approvals with amex in the last week don't have. I know it's pure speculation but does anyone have thoughts?

I know we have AA to compare

Scores

other CL and UTIL

Income

Age

am I missing any other considerations by the oh so confusing Amex approval process and altering EX reports! lol