topic Re: Finally got an AMEX in Credit Card Approvals

Finally got an AMEX

Anonymous — Sun, 07 Oct 2018 06:02:19 GMT

First, have been lurking on here for at least the last 6 months as I have been repairing my credit. Long story short I messed up with my credit, some of it not knowing better some not caring but one day I woke up and wanted to not worry about getting a house or car so decided to educate myself. Fast forward around 6 months later and around 100 points higher I can now say I have finally gotten an AMEX card. I have never been able to get one before. I got the Gold Skymiles Delta with a instant SL of 1k. Still waiting for it to get here to see if it goes any higher but I am more than happy with that.

For some background I started with a Discover IT secured card that is still in the process of graduating followed by an unsecured Cap 1 card with a $300 SL. Creditkarma said I have a fair chance to get this card and since I still had the pulls from Cap 1 earlier, less than a month ago, I decided to give it a shot since these pulls will all drop around the same time and I was instantly approved! I was shocked.

To end this story, I happened to read something else about NFCU and the scores needed to get a card from them. I have been a member for a long time but burned them in the past and decided to push my luck with them since I am 2 months paid in advanced on my car loan and havent missed a payment for my old closed card in over 2 and a half years. I was approved for thier cashRewards card witha SL of $15k! I couldn't believe it. Also may have app'd for a PayPal cash back card, Synchrony gives me 0% interest from thier SCRA and I have been eyeing this card for awhile. Got it too! $300SL but that's fine since I will be gardening until at least this time next year. It will have time to grow.

DPs: Scores around 630 across the board, lowest around 614 on the Fico 9 score

HP's around 15 across the board as well. I will reply with what was pulled in the morning.

Re: Finally got an AMEX

chhull00 — Sun, 07 Oct 2018 06:19:46 GMT

Congratulations mate, good job!

Re: Finally got an AMEX

Anonymous — Sun, 07 Oct 2018 08:08:47 GMT

Congratulations!

Re: Finally got an AMEX

CreditRebuilder2020 — Sun, 07 Oct 2018 10:06:13 GMT

Congrats on the Amex! And nicely done. You're doing a great job there.

Re: Finally got an AMEX

alvon123 — Sun, 07 Oct 2018 11:37:58 GMT

Congrats!!!

Re: Finally got an AMEX

Anonymous — Sun, 07 Oct 2018 12:13:21 GMT

Congrats. That's awesome. Plus a great SL on your NFCU.

Re: Finally got an AMEX

Cred4All — Sun, 07 Oct 2018 12:14:57 GMT

Congrats on your progress thus far and joining Amex .

Re: Finally got an AMEX

Anonymous — Sun, 07 Oct 2018 13:58:54 GMT

@Anonymous wrote:
... I was approved for thier cashRewards card with a SL of $15k!

You buried the lede, my friend. What a breath-taking approval, especially when placed aside the other two. Despite reports of "belt tightening" and closing of purse strings, it seems good 'ol Navy can be counted on to go where no other lender dare.

So Congrats! to you, T. And thanks for sharing the DPs so others might learn from your experience.

Re: Finally got an AMEX

19eighty5 — Sun, 07 Oct 2018 17:46:00 GMT

Congratulations on your approval!

Re: Finally got an AMEX

Anonymous — Sun, 07 Oct 2018 18:40:04 GMT

Thanks everyone! As promised here are some more DP's:

AMEX: Experian, myfico said my score was a 620 at the time of the pull.

NFCU: Transunion, believe they use Fico 9 score.

PPXCR: Transunion

Older pulls from about a month or 2 ago.

Cap1: Experian, Equifax, and Transunion

DiscoverIt: Equifax

Re: Finally got an AMEX

Brian_Earl_Spilner — Sun, 07 Oct 2018 18:42:23 GMT

Congrats. What's the rest of your profile look like? Delinquencies, utilization, dti, etc.

Re: Finally got an AMEX

Anonymous — Sun, 07 Oct 2018 18:58:28 GMT

Util is under 39% have some accounts that take forever to report. I will be under 15% very soon. No deliquncies for the last 2 1/2 years but there were quite a few then. Like 10+. Had 3 collections that are all paid, only 1 is left reporting as outstanding but that should be coming off this month. Had some other chargeoffs, around 3, that are all caught up and paid to 0. My DTI is really good now that my wife has started working, its very low now. Accounts are around 15 active, 31 all time.

Edit: Proof reading is good.

Re: Finally got an AMEX

Brian_Earl_Spilner — Sun, 07 Oct 2018 19:06:22 GMT

Congrats on your rebuild. Sounds like you got a lot accomplished and deserve that amex.

Re: Finally got an AMEX

drboxing — Mon, 08 Oct 2018 23:13:03 GMT

Congrats. I started with the Delta Gold as well. Enjoy the card

Re: Finally got an AMEX

Queen_Etherea — Tue, 09 Oct 2018 14:08:11 GMT

@Anonymous wrote:
First, have been lurking on here for at least the last 6 months as I have been repairing my credit. Long story short I messed up with my credit, some of it not knowing better some not caring but one day I woke up and wanted to not worry about getting a house or car so decided to educate myself. Fast forward around 6 months later and around 100 points higher I can now say I have finally gotten an AMEX card. I have never been able to get one before. I got the Gold Skymiles Delta with a instant SL of 1k. Still waiting for it to get here to see if it goes any higher but I am more than happy with that.
For some background I started with a Discover IT secured card that is still in the process of graduating followed by an unsecured Cap 1 card with a $300 SL. Creditkarma said I have a fair chance to get this card and since I still had the pulls from Cap 1 earlier, less than a month ago, I decided to give it a shot since these pulls will all drop around the same time and I was instantly approved! I was shocked.
To end this story, I happened to read something else about NFCU and the scores needed to get a card from them. I have been a member for a long time but burned them in the past and decided to push my luck with them since I am 2 months paid in advanced on my car loan and havent missed a payment for my old closed card in over 2 and a half years. I was approved for thier cashRewards card witha SL of $15k! I couldn't believe it. Also may have app'd for a PayPal cash back card, Synchrony gives me 0% interest from thier SCRA and I have been eyeing this card for awhile. Got it too! $300SL but that's fine since I will be gardening until at least this time next year. It will have time to grow.
DPs: Scores around 630 across the board, lowest around 614 on the Fico 9 score
HP's around 15 across the board as well. I will reply with what was pulled in the morning.

Wow congrats on the SL!! I got my first AMEX card last month and they only gave me $500. I got the PayPal MC card and they also started me at $300. My scores were in the 660's when they approved me for my AMEX (EX) and 666 for my PayPal (TU). I'm a little jealous you got such a higher SL for your AMEX lol but also congrats!!

Re: Finally got an AMEX

PointsBonus — Tue, 09 Oct 2018 23:55:54 GMT

Congrats and welcome to the AMEX family.

I recommend you mark your calendar for 62 days and request a 3X CLI. And watch it GROW!

There is detailed post about the AMEX 3X CLI in the forms.

Re: Finally got an AMEX

Anonymous — Wed, 10 Oct 2018 00:53:08 GMT

Thanks Viper, I will be sure to check that out! @Queen, the only thing I can think of is DTI or just luck of the draw? Either way I hope the best of luck to growing your card and thanks to everyone else!

Re: Finally got an AMEX

Anonymous — Wed, 10 Oct 2018 22:28:27 GMT

Congrats! I know the feeling - got my first just this year...now 5 cards later... You have a lot of upside potential with AMEX!

Re: Finally got an AMEX

Anonymous — Sat, 13 Oct 2018 16:25:52 GMT

Got another DP too. I have always figured that Navy Fed uses its own scoring model and I just recently got in the mail another credit explination from Navy Fed. I expected to see 1 of the 3 credit agencies on it but instead it showed my Navy Fed credit score, I can't seem to find the paper at the moment but I believe the score ranges from 250-500 or somewhere around there. Also I applied for an auto loan and credit card off the same report so I do not know if it was for both or only auto or only credit cards.

Anyone else have any info on this?