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New Visitor
Posts: 2,788
Registered: ‎06-05-2008

Re: The New Amex Unicorn Card


drkaje wrote:

I'm snowballing Chase to death! It's a good card but really hasn't grown with regular use.


They don't seem to flex when it comes to hard pulls for increases, but have been willing to match my highest limit after I called the backdoor credit analyst for a recon.

 

A lot to go through for a CLI but it worked.

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008

Re: The New Amex Unicorn Card

p-,

 

FWIW, I probably have enough credit. A few CLIs would really give me a score boost by lowering utilization but that's happening as they get paid down Long term, I really won't be needing $40K+ in available credit and anticipate shredding and closing accounts.

 

I'll gladly trade Chase's, Amex Delta, Citi Diamond, USAA MC, and possibly USAA Amex for the peace of that would come with having less credit stuff to continually worry about and monitor. That's really a 5-7 year plan, though. At this point, closing cards would just screw up utilization.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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New Visitor
Posts: 2,788
Registered: ‎06-05-2008

Re: The New Amex Unicorn Card

I think I have enough cards too...  but I wouldn't mind higher limits.

 

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

New Contributor
Posts: 152
Registered: ‎02-07-2013

Re: The New Amex Unicorn Card

Is that a real card? How do you get a white Amex card? What's it really called, or is that just photoshopped?

Moderator
Posts: 14,051
Registered: ‎04-15-2011

Re: The New Amex Unicorn Card

It's a real card, the AMEX Zync, however it's discontinued now so you can't app for it.  Smiley Sad

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
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New Visitor
Posts: 2,788
Registered: ‎06-05-2008

Re: The New Amex Unicorn Card


750Hopeful wrote:

Is that a real card? How do you get a white Amex card? What's it really called, or is that just photoshopped?


... it begins.

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

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New Visitor
Posts: 2,788
Registered: ‎06-05-2008

Re: The New Amex Unicorn Card

If you google "Amex Unicorn", this thread is the top result.  Smiley Very Happy

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

Moderator
Posts: 14,051
Registered: ‎04-15-2011

Re: The New Amex Unicorn Card

It's how myths and legends are started.  Smiley Happy

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Senior Contributor
Posts: 3,491
Registered: ‎07-25-2008

Re: The New Amex Unicorn Card

I'd also love a few CLIs but not enough to give up an HP. Smiley Happy


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
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New Visitor
Posts: 2,788
Registered: ‎06-05-2008

Re: The New Amex Unicorn Card


drkaje wrote:

I'd also love a few CLIs but not enough to give up an HP. Smiley Happy


Hard pulls are temporary, but a good CL is a gift that keeps on giving...  

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

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