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Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
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Re: oops - I did it again - Amex TE instant Approval


leoment wrote:

 


Repo-ed wrote:


leoment wrote:

Congrats!  Amex has shown us both some love today :smileyhappy:  I just called the backdoor number listed on the main page to get my CL/APR.. If you want to know now, I'd give them a call.  The # is 1-800-567-1083.

 

Enjoy the TE - my mom has it and likes it a lot.


To nervous to call.  I'll just wait until that card arrives and I register it online.

 

At least I know they were generous in my 3x on Sunday, so even if they start me out with a similar CL as my delta gold, in 61 days, I'll be ok.


Don't be nervous!  The worst part (app'ing) is done already :smileyhappy:  What was your initial Delta limit?  I was approved with a low limit ($2k), but even the CSR on the phone said to call back in 60 days for an increase (which I plan to do, as well as 6 months after that).


Delta was issued with $2800 and they increased it to $8400 on Sunday.

 

 

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!!!
Established Contributor
Posts: 505
Registered: ‎11-05-2012
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Re: oops - I did it again - Amex TE instant Approval

so Amex still backdating on 2013 or they stop ?.

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
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Re: oops - I did it again - Amex TE instant Approval


TrishN wrote:

so Amex still backdating on 2013 or they stop ?.


Who stated they were going to stop backdating current customers?

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!!!
Established Contributor
Posts: 505
Registered: ‎11-05-2012
0

Re: oops - I did it again - Amex TE instant Approval

[ Edited ]

i just ask. BC i garding until the end of this year and apply for it. i been AU with Amex From 2003. but never had a card  :smileyvery-happy:

10/2012 Started with 588 EQ Fico score and 20+ CA and CO
1750$ total CL
10/2013 in 700 Club
Personal :Total CL 196K
Business : Total CL 200K
Business LOC : 1M
Garden From 10/13/2013
Valued Contributor
Posts: 2,280
Registered: ‎07-23-2012
0

Re: oops - I did it again - Amex TE instant Approval

boo! wheres the britney spears pictures? 

 

on other notes congrats! 

 

this is really the only card i wanted!. 

 

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$6,400
Citi DC $10,000
Citizens Mastercard$7,000
Established Contributor
Posts: 631
Registered: ‎07-29-2010
0

Re: oops - I did it again - Amex TE instant Approval


Repo-ed wrote:
Do not know the CL, but it was an instant approval. I really wanted to maximize the backdating, and figured at worst it would be a denial/SP. If it doesn't come from Amazon, then it either comes from Aldi's or Costco, and Aldi's has neither (nor accepts) CC's or a gas station. So welcome to the Wallet Amex Costco TE! 

Interesting. Our local Aldi's accepts Discover, see..

 

Untitled.jpg

Discover IT $25K | FNBO Visa $22K | Citi Forward $14.5K | US Bank Cash+ Visa Sig $15K | Priceline/Barclays $10K | Chase Freedom $10.5K | Amazon/Chase Visa Sig $8.3k | Citi Double Cash $6.5K | BoA Cash Rewards 1-2-3 Sig $7.5K | Sallie Mae World MC/Barclays $5K | Capital One Cash Rewards $5K | Commerce Bank $5K | WF Cash Back Visa $3.6K | Amazon/GEMB $2.5K | Younkers/Comenity $2.4K | AMEX BCE $2K Target $1K | AMEX Green
EX FICO (from AMEX): 754, TU08 FICO (from Discover): 755, AAoA: 3.6 years
Established Contributor
Posts: 677
Registered: ‎09-12-2011
0

Re: oops - I did it again - Amex TE instant Approval


Repo-ed wrote:

leoment wrote:

Congrats!  Amex has shown us both some love today :smileyhappy:  I just called the backdoor number listed on the main page to get my CL/APR.. If you want to know now, I'd give them a call.  The # is 1-800-567-1083.

 

Enjoy the TE - my mom has it and likes it a lot.


To nervous to call.  I'll just wait until that card arrives and I register it online.

 

At least I know they were generous in my 3x on Sunday, so even if they start me out with a similar CL as my delta gold, in 61 days, I'll be ok.



First, congratulations on your approvals - that is awesome!  I love my Amex Costco TE card, it gets a lot of use.

 

Unfortunately, if you just received a CLI on another Amex card, you will have to wait 6 months from that date to request a CLI on your new TE card.  Yeah, it sucks. :smileysad:

 

Again, congrats to you - well done!!

FICOs: TU08 841 2/9/15 per Barclay; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 809 3/4/15; EX08 812 3/8/15 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $19.3K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Double Cash $10K; Citi Simplicity Visa $17.3K; Discover IT $24K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $17.5K; US Bank Cash+ Visa Sig $24.5K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
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Re: oops - I did it again - Amex TE instant Approval

doh! did not know that! great info
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!!!
Valued Contributor
Posts: 2,982
Registered: ‎02-09-2012
0

Re: oops - I did it again - Amex TE instant Approval

Just logged into my account online, and they've already added it to my profile.

 

They started me out with a 2k CL.

 

I'm not sure why, but I'm a bit bummed.  They started my delta out at $2800 and bumped it up to $8400.

 

So you're saying I can't take advantage of the 3x CLI at 61+ days w/ the TE?

 

But I can request regular CLI in 6 months on both, right?

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!!!
Established Contributor
Posts: 677
Registered: ‎09-12-2011
0

Re: oops - I did it again - Amex TE instant Approval


Repo-ed wrote:

Just logged into my account online, and they've already added it to my profile.

 

They started me out with a 2k CL.

 

I'm not sure why, but I'm a bit bummed.  They started my delta out at $2800 and bumped it up to $8400.

 

So you're saying I can't take advantage of the 3x CLI at 61+ days w/ the TE?

 

But I can request regular CLI in 6 months on both, right?


Unfortunately, no, you can only request a CLI on ONE amex revolver in 6 months.  If you had not just gotten the 3x CLI on your delta, you could have gotten it in 61 days on the TE.  But according to Amex's policy on credit limit increases, you can only request a CLI on one revolving credit card six months from your last limit increase.

Someone here pointed this out to me last summer when I had just received approval for my BCE and had also requested my first ever CLI on my Optima card.  I, like you, had thought I could get the 61-day CLI on the BCE, but found out otherwise.  And believe me, I even tried it and Amex shot me down with a letter stating their policy on CLIs.

 

Sorry to be the bearer of bad news!  But trust me, the 6 months will fly by so fast!

FICOs: TU08 841 2/9/15 per Barclay; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 809 3/4/15; EX08 812 3/8/15 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $19.3K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Double Cash $10K; Citi Simplicity Visa $17.3K; Discover IT $24K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $17.5K; US Bank Cash+ Visa Sig $24.5K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
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