topic Re: Barclay and AMEX love!!!! in Credit Card Approvals

Barclay and AMEX love!!!!

CreditResuscitation — Mon, 19 Nov 2012 16:15:04 GMT

So since I was feeling so lucky after getting a couple of cool CLI (PayPal SC and WalMart), I decided to try my luck on a few card apps. Knowing that AMEX was probably going to shoot me down, like a chicken I took the scenic route and applied for a Dillards AMEX Card instead (Hey AMEX is AMEX), and to my surprise I was approved for 1500!!! Now, any form of AMEX for me is nothing short of a miracle and usually I would've stopped there but I was just feeling so darn lucky So with that, I went for an Barclay Apple Financing Visa and they too approved me for 2000!!!! Man I tell you, I'm so happy it's almost unreal to me. I'm officially done now. I'm in the garden until it's time to purchase a home next year. ***Grabs hat and heads off to the garden*** Oh, and for anyone curious, they pulled a 736 TU score. That is all.

Re: Barclay and AMEX love!!!!

beb86 — Mon, 19 Nov 2012 16:37:37 GMT

Nice work just don't open any more accounts the first 6 mo after your Barclays

Re: Barclay and AMEX love!!!!

Anonymous — Mon, 19 Nov 2012 16:41:07 GMT

Congrats on the approvals! I have a Dillard's Amex and have really enjoyed it. Since it's backed by GE, remember to ask for a CLI every four months. I've had mine since April of last year, and it's gone from $700 - >$6000! Use it well, and yours might grow quicky, too. Enjoy your new cards.

Re: Barclay and AMEX love!!!!

CreditResuscitation — Mon, 19 Nov 2012 16:49:36 GMT

@beb86 Yeah, I heard Barclay is known for canceling cards. To make sure that doesn't happen I'm just not going to app anymore. I think I have enough cards now.

Re: Barclay and AMEX love!!!!

CreditResuscitation — Mon, 19 Nov 2012 16:51:27 GMT

@tinuviel Thanks. Yeah that's quite a jump you've done since last April!!! Hopefully they'll be as kind to me as they have to you. We'll see.

Re: Barclay and AMEX love!!!!

TheConductor — Mon, 19 Nov 2012 17:16:56 GMT

For future reference, your scores are almost certainly good enough for a true AmEx.

Since the Dillard's AmEx is issued by Dillard's, it's not going to get you backdating, it won't start improving your internal risk score with AmEx proper, and it won't get you the perks and stellar customer service of a true AmEx card.

Congrats on two great approvals to grow your limits, though!

I highly recommend applying for a real AmEx in 6 months or more once your new cards have aged a bit and you've bought that house. Until then, have fun in the garden and enjoy those new cards!!

Re: Barclay and AMEX love!!!!

Anonymous — Mon, 19 Nov 2012 17:21:05 GMT

@TheConductor wrote:
For future reference, your scores are almost certainly good enough for a true AmEx.

Since the Dillard's AmEx is issued by Dillard's, it's not going to get you backdating, it won't start improving your internal risk score with AmEx proper, and it won't get you the perks and stellar customer service of a true AmEx card.

Congrats on two great approvals to grow your limits, though!

I highly recommend applying for a real AmEx in 6 months or more once your new cards have aged a bit and you've bought that house. Until then, have fun in the garden and enjoy those new cards!!

Yes, there are differences in the benefits and perks of a GE backed Amex vs. a Centurian (ie: "true") Amex card. And, I agree that the OPs scores are in range for an Amex approval. But since the OP has the Dillard's Amex, please do bear in mind that it IS eligible for enrollment in the Small Business Saturday $25 statement credit promotion -- see the Small Business Saturday thread for details. It's a great deal, so I just felt like pointing it out.

Re: Barclay and AMEX love!!!!

HiLine — Mon, 19 Nov 2012 17:22:32 GMT

@TheConductor wrote:
For future reference, your scores are almost certainly good enough for a true AmEx.

Since the Dillard's AmEx is issued by Dillard's, it's not going to get you backdating, it won't start improving your internal risk score with AmEx proper, and it won't get you the perks and stellar customer service of a true AmEx card.

Congrats on two great approvals to grow your limits, though!

I highly recommend applying for a real AmEx in 6 months or more once your new cards have aged a bit and you've bought that house. Until then, have fun in the garden and enjoy those new cards!!

I was approved for my first Amex with a 674 myFICO Equifax score.

Re: Barclay and AMEX love!!!!

CreditResuscitation — Mon, 19 Nov 2012 17:34:19 GMT

@TheConductor Point taken. And with that, I'm going to take your advice and wait before I hop back in the app game. And @tinuviel I'm going to look into that. Exactly what is it and where do I go to sign up.

Re: Barclay and AMEX love!!!!

Anonymous — Mon, 19 Nov 2012 17:42:53 GMT

Congrats

Re: Barclay and AMEX love!!!!

Anonymous — Mon, 19 Nov 2012 17:52:37 GMT

@CreditResuscitation wrote:
@TheConductor Point taken. And with that, I'm going to take your advice and wait before I hop back in the app game. And @Anonymous I'm going to look into that. Exactly what is it and where do I go to sign up.

It's an annual promotion that Amex has been doing, with the intent of encouraging folks to shop at small businesses. You register any card that runs on the Amex network with them, and then on Saturday, Nov. 24th make a purchase of $25 or more at a small business. This means a business that is not part of a chain or franchise. You'll then receive a $25 statement credit. Last year we ate at a local restaurant and paid for it with my Amex Green, then we went and purchased our Christmas tree from a local lot and paid for it with my Dillard's Amex. Between the two, we saved $50 on things that we were going to be spending money on anyway -- a great deal!

Here's the link to the official site:

https://www.americanexpress.com/us/small-business/Shop-Small/

And here's the link to the forum thread:

http://ficoforums.myfico.com/t5/Credit-Cards/Amex-Small-Business-Sat/td-p/1686926

Re: Barclay and AMEX love!!!!

HiLine — Mon, 19 Nov 2012 17:57:04 GMT

BTW, congratulations!

Re: Barclay and AMEX love!!!!

CreditResuscitation — Mon, 19 Nov 2012 17:59:42 GMT

@HiLine @Credit314 Thanks guys, I appreciate it.

Re: Barclay and AMEX love!!!!

CreditResuscitation — Mon, 19 Nov 2012 18:02:07 GMT

@tinuviel I don't thin I'm going to make the dealine for that because I haven't gotten my card yet. It's cool, there's always next year.

Re: Barclay and AMEX love!!!!

Anonymous — Mon, 19 Nov 2012 18:06:21 GMT

@CreditResuscitation wrote:
@Anonymous I don't thin I'm going to make the dealine for that because I haven't gotten my card yet. It's cool, there's always next year.

Oh, you're right... silly me. Nevertheless, keep it in mind for next year. It's a good promotion and you'll have your card ready and waiting for it... and maybe even another Amex to add to the fun! In the meantime, just use your new card responsibly and enjoy the Dillard's rewards.

Re: Barclay and AMEX love!!!!

Anonymous — Mon, 19 Nov 2012 19:40:35 GMT

I'm definitely taking advantage of that! Thanks for the tip tinuviel!