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Contributor
Posts: 96
Registered: ‎04-04-2007
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Bitten by the AMEX Luv Bug!

Hi Everyone! I received my AMEX Starwoods Preferred card yesterday with a $10,000 limit. As soon as I registered and activated it I hit the 'LUV' button and requested a $5000 credit limit increase. My limit on my new card is now $15,000!
Regular Contributor
Posts: 143
Registered: ‎05-18-2007
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Re: Bitten by the AMEX Luv Bug!

That is great!!! Do they also require ex and upper 600 scores? I can not wait to be bitten by the luv bug Smiley Very Happy
Senior Contributor
Posts: 4,834
Registered: ‎04-20-2007
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Re: Bitten by the AMEX Luv Bug!

Very nice. Good luck.
Moderator Emeritus
Posts: 16,382
Registered: ‎03-12-2007
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Re: Bitten by the AMEX Luv Bug!



2anewu wrote:
That is great!!! Do they also require ex and upper 600 scores? I can not wait to be bitten by the luv bug Smiley Very Happy


Amex will most likely pull EX but EQ is possible.  For the Delta and Starwoods cards, many posters have been reporting approval with scores in the low 600's, some even below 600.  Things seem to be changing at Amex.
Credit Profile:
FICO 9: EQ 833 ~ EX 828 ~ TU 824 (07-12-2017)
FICO 8: EQ 830 ~ EX 819 ~ TU 828 (07-12-2017)
FICO 8 Bankcard: EQ 851 ~ EX 849 ~ TU 851 (07-12-2017)
Credit History: 29 years ~ AAoA: 14 years
Total available revolving credit: 157K ~ Cumulative Util: 3% (1 CC reporting a balance)
Inqs: 1 EX (new)
14 Total Accounts on Reports: 9 open, 5 closed. 1 newly opened installment account
Contributor
Posts: 89
Registered: ‎06-09-2007
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Re: Bitten by the AMEX Luv Bug!



sunkysd wrote:
Hi Everyone! I received my AMEX Starwoods Preferred card yesterday with a $10,000 limit. As soon as I registered and activated it I hit the 'LUV' button and requested a $5000 credit limit increase. My limit on my new card is now $15,000!


You shouldn't post that on this board. 
Moderator Emeritus
Posts: 16,382
Registered: ‎03-12-2007
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Re: Bitten by the AMEX Luv Bug!



crocpa wrote:


sunkysd wrote:
Hi Everyone! I received my AMEX Starwoods Preferred card yesterday with a $10,000 limit. As soon as I registered and activated it I hit the 'LUV' button and requested a $5000 credit limit increase. My limit on my new card is now $15,000!


You shouldn't post that on this board. 


Why not?
Credit Profile:
FICO 9: EQ 833 ~ EX 828 ~ TU 824 (07-12-2017)
FICO 8: EQ 830 ~ EX 819 ~ TU 828 (07-12-2017)
FICO 8 Bankcard: EQ 851 ~ EX 849 ~ TU 851 (07-12-2017)
Credit History: 29 years ~ AAoA: 14 years
Total available revolving credit: 157K ~ Cumulative Util: 3% (1 CC reporting a balance)
Inqs: 1 EX (new)
14 Total Accounts on Reports: 9 open, 5 closed. 1 newly opened installment account
Senior Contributor
Posts: 4,834
Registered: ‎04-20-2007
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Re: Bitten by the AMEX Luv Bug!

AMEX pulled all three reports on me before declining me for BK. Now I don't know if they were busting my chops or looking for a reason to give me a card. The EX inquiry is on there for 25 months.
Regular Contributor
Posts: 143
Registered: ‎05-18-2007
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Re: Bitten by the AMEX Luv Bug!

Smallfry, why is the inq on for 25 months?
Regular Contributor
Posts: 230
Registered: ‎04-11-2007
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Re: Bitten by the AMEX Luv Bug!

[ Edited ]
I have a 642 Experian,..but got denied due to a BK.
I've heard from others that people have gotten approved due to a bk,...but the computer said no, a supervisor said no, and i wrote a letter waiting for a response.
I didn't even have an Amex on my BK!
 
they're BK nazis!


Message Edited by Bruiser on 06-24-2007 02:51 PM
BK 7 Filed: 08/07/15
BK 7 Discharged: 11/04/15
Discharge Scores: Equifax (572) - TransUnion (586) - Experian (511)
Goal: 700+
Credit Cards: NFCU nRewards ($500) - CapOne Platinum ($300) - CapOne QuicksilverOne Rewards ($300) - Victoria's Secret ($250) - Firestone ($1200)
Auto Loan: NFCU ($34.6K @ 7.7%)
Senior Contributor
Posts: 4,834
Registered: ‎04-20-2007
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Re: Bitten by the AMEX Luv Bug!



2anewu wrote:
Smallfry, why is the inq on for 25 months?



EX keeps inquiries on the reports for 25 months. EQ and TU 24 months. FICO still only counts 12 months for scoring.

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