topic Re: Amex Hilton Honors Approval in Credit Card Approvals

Amex Hilton Honors Approval

Anonymous — Sun, 20 Dec 2020 21:10:21 GMT

After being denied Amex early 2020. I was finally pre-qualified for 5 card(3 Hiltons and 2 delta) and chose the Hilton Honors card and was approved for $4000. To top it off, my experian was only dinged for 2 points bringing my score from a 692 to 690.

No collections or anything just 7 inquiries

Back to the garden I go LOL.

Re: Amex Hilton Honors Approval

blindambition — Sun, 20 Dec 2020 21:14:02 GMT

Congrats on the approval!!!

Re: Amex Hilton Honors Approval

AllZero — Sun, 20 Dec 2020 21:16:24 GMT

Congratulations on your approval!

Re: Amex Hilton Honors Approval

MyFault — Sun, 20 Dec 2020 21:59:26 GMT

Congrats on your approval!

Re: Amex Hilton Honors Approval

Anonymous — Sun, 20 Dec 2020 22:01:39 GMT

Congrats and welcome to Amex

Re: Amex Hilton Honors Approval

Anonymous — Sun, 20 Dec 2020 22:03:00 GMT

Congrats on the approval!!

Re: Amex Hilton Honors Approval

barca — Sun, 20 Dec 2020 22:08:28 GMT

@Anonymous wrote:
After being denied Amex early 2020. I was finally pre-qualified for 5 card(3 Hiltons and 2 delta) and chose the Hilton Honors card and was approved for $4000. To top it off, my experian was only dinged for 2 points bringing my score from a 692 to 690.
No collections or anything just 7 inquiries

Back to the garden I go LOL.

Congrats.

is this your first Amex card , did you burn them in the past.

I am going back to them early next year

Re: Amex Hilton Honors Approval

Anonymous — Sun, 20 Dec 2020 22:59:16 GMT

Congratulations on your approval. It feels good after the denial earlier this year.

Re: Amex Hilton Honors Approval

BetterMoves — Sun, 20 Dec 2020 23:16:06 GMT

Congratulations...and enjoy those Hilton stays!

Re: Amex Hilton Honors Approval

M_Smart007 — Sun, 20 Dec 2020 23:47:30 GMT

Congratulations!

Re: Amex Hilton Honors Approval

Anonymous — Sun, 20 Dec 2020 23:55:37 GMT

Thank you!! I have no history with AMEX except for a savings account I opened this year. This is my first Amex card besides my NFCU MoreRewards AmericanExpress.(which I don't really think counts as a true AMEX card)

Re: Amex Hilton Honors Approval

Anonymous — Sun, 20 Dec 2020 23:57:44 GMT

It may be the first one but I doubt it'll be your last And no the Navy card is a Navy card through and through, it just runs on the Amex network.

Re: Amex Hilton Honors Approval

gdale6 — Mon, 21 Dec 2020 00:05:37 GMT

Nice, grats on the new Amex

Re: Amex Hilton Honors Approval

Anonymous — Mon, 21 Dec 2020 00:30:36 GMT

It definitely won't be the last lol. I plan to upgrade my Hilton Honors to the Surpass one day as I get more experience. I really could have applied for the Surpass since I pre-qualified for it but I figured it would be better to start with the Hilton Honors.

I would like to have an amex business credit card and the BCE as my score moves up

Re: Amex Hilton Honors Approval

Mr_Mojo_Risin — Mon, 21 Dec 2020 00:37:16 GMT

Thats great to hear, nice you got in with a good SL!! Congratulations!

Re: Amex Hilton Honors Approval

cashorcharge — Mon, 21 Dec 2020 00:47:22 GMT

That's great! Congratulations on your approval!!

Re: Amex Hilton Honors Approval

Anonymous — Mon, 21 Dec 2020 01:00:07 GMT

CONGRATS!!

Amex is a weird one for sure. I would bet money not one person knows the algorithms they use. My friend had a 760 FICO 08, no derogs, 2% utilization across the board, DTI of 21%, and income of $110,000 or so and was denied for the Amex Everyday card and 2 other cards he applied for.

My ex GF had 13 60 day late payments ( they were 5 years old on her reports ), a FICO 08 of 657, high DTI ratio and 41% credit utilization and she got approved for the Amex Blue Cash Magnet card with a SL of $8K. I was like whhhhaaaattttt lol.

Re: Amex Hilton Honors Approval

Anonymous — Mon, 21 Dec 2020 01:04:07 GMT

@Anonymous wrote:
CONGRATS!!

Amex is a weird one for sure. I would bet money not one person knows the algorithms they use. My friend had a 760 FICO 08, no derogs, 2% utilization across the board, DTI of 21%, and income of $110,000 or so and was denied for the Amex Everyday card and 2 other cards he applied for.

My ex GF had 13 60 day late payments ( they were 5 years old on her reports ), a FICO 08 of 657, high DTI ratio and 41% credit utilization and she got approved for the Amex Blue Cash Magnet card with a SL of $8K. I was like whhhhaaaattttt lol.

Lol I think in the case of your ex, Amex accidentally drank out of Disco's cup at the Xmas party...

Re: Amex Hilton Honors Approval

mrcraft — Mon, 21 Dec 2020 02:04:55 GMT

Congratulations on your approval!!

Re: Amex Hilton Honors Approval

CreditAggie — Mon, 21 Dec 2020 02:26:54 GMT

Congratulations on your Amex Hilton Honors approval!