Regular Contributor
cmthomas06
Posts: 174
Registered: ‎06-21-2012
Should I go for it?!?

I was setting up my Express Next account and a pre-approval popped up! Im happy with my cards and not looking to add any, but on the flip side, I do shop there a lot. Thoughts/opinions? Is it a decent card that will grow or will I be stuck with a toy limit? (the APR is CRAZY high, 24.9%!)

Ex 752 (Amex) Tu 758 (Walmart) Eq 703
Goal: 750+ on all
Current Cards: Cap1 Cash Back; Chase Freedom; Chase Amazon; Citi Thank You; Citi Forward; Discover iT; Amex Zync; GE WalMart; BoA 3-2-1
Mega Contributor
Creditaddict
Posts: 18,905
Registered: ‎10-23-2007
Re: Should I go for it?!?

cmthomas06 wrote:

I was setting up my Express Next account and a pre-approval popped up! Im happy with my cards and not looking to add any, but on the flip side, I do shop there a lot. Thoughts/opinions? Is it a decent card that will grow or will I be stuck with a toy limit? (the APR is CRAZY high, 24.9%!)


If you shop at Express often it goes on the list of cards that you are almost  STUPID if you don't get! and getting it with no HP makes it even better!

They can be a little slow at first, you will probably start at $500 or so... and may not see first increase until after 8 or 9 months but then they usually take off with AUTO CLI very regularly, I have only had to request once in the past when I have had them... 

Coupons are frequent and if you ge tup to the premier level (What ever they call that, it's new now) it gets really good.

Not to mention they will let you divide your purchase up as many times as you want, I try to shop during week or day on a friday a sale is or something and if i do it on weekend, I try to get myself organized with what items are going to be in what transaction, but usually they are very cool about it...

it was last year but these 3 people (have no idea what or why) but they literally bought $2900... I SOOOO wanted to ask the guy paying if he would swipe his amex on my Square account and let me pay for his express purchase, of course i couldn't take the whole thing... actually unless changed nobody could do that on Express account because the max CL is $2740.00 (My friend has it, requested increase and got letter saying Express CL's do not go higher) Anway, he threw like $900 down drain if not more that day based on coupons i had!!!

Fico Scores: EQ 657 Cabelas, TU 665 GE, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012
Re: Should I go for it?!?
I'd say do it!! Just don't carry a balance often. I have a $2750 limit :-P.

And btw... I started at $250 in like 2007 and I got clis every SIX MONTHS, not 8 or 9. I requested them though....

You get so many discounts, it's unbelievable!!!!! I think you can make pmts in store too!!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
creditnocash
Posts: 2,185
Registered: ‎07-23-2012
Re: Should I go for it?!?

if your not worried about your aooa at the moment. id go for it if you shop there alot. ( i feel the clothes have gone down in quality though) 

 

and like stated no hard pull so just new account jitters. 

Current: Discover Fico 689 7/14 Walmart Fico 682 7/14

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012
Re: Should I go for it?!?
They don't have the Zack extra slim straight men's jeans any more :-(
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
WhiteCollar
Posts: 309
Registered: ‎04-07-2012
Re: Should I go for it?!?

I had a similar situation. I do shop at express often, however, they send so many coupons via text and email that I feel having their CC is of no benefit to me. The APR is ridiculous and sometimes their clothes are hit or miss....just depends on the season.

Mega Contributor
Creditaddict
Posts: 18,905
Registered: ‎10-23-2007
Re: Should I go for it?!?

WhiteCollar wrote:

I had a similar situation. I do shop at express often, however, they send so many coupons via text and email that I feel having their CC is of no benefit to me. The APR is ridiculous and sometimes their clothes are hit or miss....just depends on the season.


I don't know if often means high dollar... but you are missing rewards of the credit card on top of the coupons! and I think it's still $500... once you clear into the (next level shopper!) it just gets better.

Fico Scores: EQ 657 Cabelas, TU 665 GE, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Regular Contributor
cmthomas06
Posts: 174
Registered: ‎06-21-2012
Re: Should I go for it?!?

Thanks for all of the advice guys! I went ahead and applied, only because it was a SP so Im still in the garden :smileyhappy: . I mainly went for it simply for the coupons; my mom has the card and always gets them! This will be my 4th new line in 4 months, hence why I was nervous. Cant wait to get the card and see where they started me at! 

Ex 752 (Amex) Tu 758 (Walmart) Eq 703
Goal: 750+ on all
Current Cards: Cap1 Cash Back; Chase Freedom; Chase Amazon; Citi Thank You; Citi Forward; Discover iT; Amex Zync; GE WalMart; BoA 3-2-1