topic Re: Amex EDP comes in from the cold in Credit Card Approvals

Amex EDP comes in from the cold

W261w261 — Mon, 01 Aug 2022 09:37:11 GMT

In 2016 I got an Amex Everday card with a 1k limit. I'm surprised they gave it to me at all, considering my (very old) history with them. I got the card within a few days of letting a payment plan on a Cap1 account go CO. If I knew then what I know now about the profoundly bad and long-lasting effect of a CO I would never have done it.

Eventually I joined myFico. I took take care of the CO in February 2021, so it's going to hurt me for a few more years, prob 60-70 points until it falls off. No other problems since 2016.

Amex did offer me an upgrade to ED Preferred a couple of years ago, but no CLI. I asked, I asked, I asked. They said No, no, no. Meantime, last April or so I got the Gold, which I charged on right away until they slowed me down at about the 13k level. I also got the Delta Reserve. Thinking that the approvals of these cards indicated a warming of Amex towards me, I asked yet again for a CLI on the EDP. Nope. I transferred $1k of limit from the Delta to the EDP, giving me 2k - enough to breathe a little. Meantime, I was busy doing the MF thing: multiples in Navy, USAA, Penfed, couple of store cards, increasing limits. I was thinking that perhaps Amex had the EDP bucketed, maybe forever, to teach me humility, A couple of months ago, when Amex introduced the refreshed BCE, I apped through RESY for the extra goodies and got a better SUB and a 15k SL. I got turned onto RESY because of the extras that accrue by apping through them, so last week, acting on the advice of a forum member, I took down the Platinum (10x dining 1st 6 mos to 25k spend, 125k pts when the Plat through the Amex site was 100k no dining SUB).

Riding somewhat high from the recent new cards, I was reluctant to spoil the party by getting shot down yet again on a CLI request for the EDP. But I was on the phone with a CSR, and when he asked if there was anything else he could help me with, I blurted out "How about a CLI on the EDP?" BOOM! 3X! That little increase meant more to me than the 15k on the BCE. I see it as a kind of redemption. They sure took their time in finally letting me off EDP probation but I have no doubt that they remember.

Re: Amex EDP comes in from the cold

Anonymous — Mon, 01 Aug 2022 03:40:04 GMT

@W261w261 Finally pays off. Happy for you.

Re: Amex EDP comes in from the cold

Credit4Growth — Mon, 01 Aug 2022 03:48:50 GMT

SHM while ROLFL
I had a good chuckle with the BOOM! 3X
Congratulations brother!

Happy to read and experienced your excited satisfaction!

Re: Amex EDP comes in from the cold

cashorcharge — Mon, 01 Aug 2022 04:24:33 GMT

Welcome back EDP! WooHoo!! Congratulations on your AMEX Approval!!👏🏼🍾🥂

Re: Amex EDP comes in from the cold

Anonymous — Mon, 01 Aug 2022 04:40:51 GMT

@Credit4Growth wrote:
SHM while ROLFL
I had a good chuckle with the BOOM! 3X
Congratulations brother!
Happy to read and experienced your excited satisfaction!

Incredible graphic. Can't stop laughing.

Re: Amex EDP comes in from the cold

CreditAggie — Mon, 01 Aug 2022 05:07:02 GMT

Congratulations on your EDP 3X CLI!

Re: Amex EDP comes in from the cold

nytokyobred79 — Mon, 01 Aug 2022 09:48:07 GMT

@W261w261 wrote:
In 2016 I got an Amex Everday card with a 1k limit. I'm surprised they gave it to me at all, considering my (very old) history with them. I got the card within a few days of letting a payment plan on a Cap1 account go CO. If I knew then what I know now about the profoundly bad and long-lasting effect of a CO I would never have done it.

Eventually I joined myFico. I took take care of the CO in February 2021, so it's going to hurt me for a few more years, prob 60-70 points until it falls off. No other problems since 2016.

Amex did offer me an upgrade to ED Preferred a couple of years ago, but no CLI. I asked, I asked, I asked. They said No, no, no. Meantime, last April or so I got the Gold, which I charged on right away until they slowed me down at about the 13k level. I also got the Delta Reserve. Thinking that the approvals of these cards indicated a warming of Amex towards me, I asked yet again for a CLI on the EDP. Nope. I transferred $1k of limit from the Delta to the EDP, giving me 2k - enough to breathe a little. Meantime, I was busy doing the MF thing: multiples in Navy, USAA, Penfed, couple of store cards, increasing limits. I was thinking that perhaps Amex had the EDP bucketed, maybe forever, to teach me humility, A couple of months ago, when Amex introduced the refreshed BCE, I apped through RESY for the extra goodies and got a better SUB and a 15k SL. I got turned onto RESY because of the extras that accrue by apping through them, so last week, acting on the advice of a forum member, I took down the Platinum (10x dining 1st 6 mos to 25k spend, 125k pts when the Plat through the Amex site was 100k no dining SUB).

Riding somewhat high from the recent new cards, I was reluctant to spoil the party by getting shot down yet again on a CLI request for the EDP. But I was on the phone with a CSR, and when he asked if there was anything else he could help me with, I blurted out "How about a CLI on the EDP?" BOOM! 3X! That little increase meant more to me than the 15k on the BCE. I see it as a kind of redemption. They sure took their time in finally letting me off EDP probation but I have no doubt that they remember.

Such a great story. Congrats in getting that EDP un-bucketed.

Re: Amex EDP comes in from the cold

MartyWrite75 — Mon, 01 Aug 2022 10:22:26 GMT

Congratulations on your CLI 3X!

Re: Amex EDP comes in from the cold

coreyb80 — Mon, 01 Aug 2022 13:51:54 GMT

Congrats on the nice increase!

Re: Amex EDP comes in from the cold

Mdowning30 — Mon, 01 Aug 2022 14:24:12 GMT

I think the BCE is more valuable than your BCP at this point, congrats on both and atleast you can still transfer from the limit on the BCE.

Re: Amex EDP comes in from the cold

KingRue8500 — Mon, 01 Aug 2022 23:26:09 GMT

Congrats on your AMEX EveryDay Preferred CLI