topic Re: AMEX approved, Discover denied in Credit Card Approvals

AMEX approved, Discover denied

Anonymous — Sun, 03 May 2015 17:40:19 GMT

So I have Capital One card 6 months with limit of 700$
And Walmart store card for 3 months with 300$ limit.

So I applied for Amex today and approved fo 3000$ limit, I was very surprised.
After that I tried for Discover for second time and I was told that they cannot give me individual acc, only joint. Reason is only 2 accounts on my history.
I am guessing I will try one more time after 61 day Amex CLI.

My question is for AMEX, can I call them and ask for like 5000$ limit or I need to wait for 60 days and then ask for 3x CLI?

Re: AMEX approved, Discover denied

Anonymous — Sun, 03 May 2015 17:53:32 GMT

@Anonymous wrote:
So I have Capital One card 6 months with limit of 700$
And Walmart store card for 3 months with 300$ limit.

So I applied for Amex today and approved fo 3000$ limit, I was very surprised.
After that I tried for Discover for second time and I was told that they cannot give me individual acc, only joint. Reason is only 2 accounts on my history.
I am guessing I will try one more time after 61 day Amex CLI.

My question is for AMEX, can I call them and ask for like 5000$ limit or I need to wait for 60 days and then ask for 3x CLI?

If your credit file supports it you can ask for 3X CLI as soon as you activate the card. The 61 days for CLI no longer applies. Calling now will not do you any good

Re: AMEX approved, Discover denied

Anonymous — Sun, 03 May 2015 18:04:28 GMT

@Anonymous wrote:
So I have Capital One card 6 months with limit of 700$
And Walmart store card for 3 months with 300$ limit.

So I applied for Amex today and approved fo 3000$ limit, I was very surprised.
After that I tried for Discover for second time and I was told that they cannot give me individual acc, only joint. Reason is only 2 accounts on my history.
I am guessing I will try one more time after 61 day Amex CLI.

My question is for AMEX, can I call them and ask for like 5000$ limit or I need to wait for 60 days and then ask for 3x CLI?

Congrats on the Amex card!!!

Re: AMEX approved, Discover denied

Anonymous — Sun, 03 May 2015 18:08:54 GMT

Re: AMEX approved, Discover denied

Anonymous — Sun, 03 May 2015 18:10:43 GMT

What that means if my credit file support?
What can I do to make sure that my file supports 3x cli?
Anyway I will wait 2 months for asking for CLI and applying again for Discover and some other cards.

Thanks

Re: AMEX approved, Discover denied

Anonymous — Sun, 03 May 2015 18:35:33 GMT

@Anonymous wrote:
What that means if my credit file support?
What can I do to make sure that my file supports 3x cli?
Anyway I will wait 2 months for asking for CLI and applying again for Discover and some other cards.

Thanks

Congratulations! When you activate the card click the request a credit limit increase button and ask for a 3X incr. you got nothing to lose as it's a SP.

Re: AMEX approved, Discover denied

9CLINE — Sun, 03 May 2015 18:50:02 GMT

Way 2 Go......Congrats........

Re: AMEX approved, Discover denied

Anonymous — Sun, 03 May 2015 18:51:39 GMT

But let's say if they denied my 3x cli right after activation, when can I ask again?

Thanks

Re: AMEX approved, Discover denied

Zorasmiles — Sun, 03 May 2015 19:05:25 GMT

@Anonymous wrote:
But let's say if they denied my 3x cli right after activation, when can I ask again?

Thanks

90 days

Re: AMEX approved, Discover denied

gdale6 — Sun, 03 May 2015 20:36:52 GMT

Grats on your Amex approval

Re: AMEX approved, Discover denied

Jerry45 — Sun, 03 May 2015 21:13:11 GMT

Getting Amex is the big prize, do not let Discover get you down at all. You have your foot in the door with a Top Tier Bank. Congrats

Re: AMEX approved, Discover denied

Jerry45 — Sun, 03 May 2015 21:14:06 GMT

Good Tip. Did not realize that would be only a SP.

Re: AMEX approved, Discover denied

Anonymous — Mon, 04 May 2015 04:17:24 GMT

Congrats on your AMEX approval!

Re: AMEX approved, Discover denied

Anonymous — Mon, 04 May 2015 04:50:08 GMT

Yes hit the luv button as soon as you get the card

Re: AMEX approved, Discover denied

Anonymous — Mon, 04 May 2015 08:45:55 GMT

Congrats on all of your approvals!!! I would wait the 61 days to ask for the 3X CLI, but I'm conservative when it comes to credit. Good luck and keep up the good work!!!

Re: AMEX approved, Discover denied

Anonymous — Mon, 04 May 2015 09:19:56 GMT

Got my 3x cli about a month in, see what score they pulled for you, if it's high id hit it asap set the bar high for future lenders

Re: AMEX approved, Discover denied

Anonymous — Mon, 04 May 2015 15:09:14 GMT

If it's soft pull I'll try right away.

Re: AMEX approved, Discover denied

Anonymous — Tue, 05 May 2015 01:38:15 GMT

forget discover!

congreats!