topic Re: Amex Hilton Honors Surpass Shady Approval in Credit Card Approvals

Amex Hilton Honors Surpass Shady Approval

cmoe — Wed, 21 Sep 2022 21:15:06 GMT

I was approved for the Hilton Honors Surpass card with $4000 SL. As if the starting limit wasn't insulting enough, they immediately reduced my current BCP card limit from $41,600 to $37,600. They reallocated part of my BCP CL to the Honors card that has an AF of $95. I kind of feel robbed and cheated. I was also surprised the approval was a HP - it took 6 points out of my credit score.

Re: Amex Hilton Honors Surpass Shady Approval

KingRue8500 — Wed, 21 Sep 2022 21:13:53 GMT

Congrats on your AMEX Hilton Honors Surpass approval

Re: Amex Hilton Honors Surpass Shady Approval

babygirl1256 — Wed, 21 Sep 2022 21:20:37 GMT

Congrats on your Amex Hilton Honors Surpass approval.

Re: Amex Hilton Honors Surpass Shady Approval

M_Smart007 — Wed, 21 Sep 2022 21:53:59 GMT

Congrats on your Hilton Honors Surpass Approval!

AmEx and Chase are known at times, to rob Peter to pay Paul (re-allocate limits).

Re: Amex Hilton Honors Surpass Shady Approval

Cashbackjunky — Wed, 21 Sep 2022 22:03:45 GMT

@M_Smart007 wrote:
Congrats on your Hilton Honors Surpass Approval!

AmEx and Chase are known at times, to rob Peter to pay Paul (re-allocate limits).

In my experience, BofA as well.

I was originally declined for my Unlimited Cash Rewards card because I was at the max exposure with BofA.

I called in and the CSR let me know I could be approved if I re-allocated limit from one of my cards - so I did, without second thought.

I'd rather be approved for the new account and be able to grow it in the future vs flat out declined

Re: Amex Hilton Honors Surpass Shady Approval

M_Smart007 — Wed, 21 Sep 2022 22:16:38 GMT

@Cashbackjunky wrote:
@M_Smart007 wrote:
Congrats on your Hilton Honors Surpass Approval!

AmEx and Chase are known at times, to rob Peter to pay Paul (re-allocate limits).
In my experience, BofA as well.

I was originally declined for my Unlimited Cash Rewards card because I was at the max exposure with BofA.

I called in and the CSR let me know I could be approved if I re-allocated limit from one of my cards - so I did, without second thought.

I'd rather be approved for the new account and be able to grow it in the future vs flat out declined

@Cashbackjunky, That's right, forgot about them.

Re: Amex Hilton Honors Surpass Shady Approval

Traveler101 — Wed, 21 Sep 2022 23:02:32 GMT

91 days 3x? Congratulations!

Re: Amex Hilton Honors Surpass Shady Approval

CreditAggie — Thu, 22 Sep 2022 04:10:04 GMT

Congratulations on your Amex approval!

Re: Amex Hilton Honors Surpass Shady Approval

Stealth-1 — Thu, 22 Sep 2022 13:22:34 GMT

@cmoe

Congrats on the approval. They should have at least warned you about the 4K reallocation because I'm not sure you would have still wanted the HH card.

Re: Amex Hilton Honors Surpass Shady Approval

SouthJamaica — Thu, 22 Sep 2022 11:53:03 GMT

@cmoe wrote:
I was approved for the Hilton Honors Surpass card with $4000 SL. As if the starting limit wasn't insulting enough, they immediately reduced my current BCP card limit from $41,600 to $37,600. They reallocated part of my BCP CL to the Honors card that has an AF of $95. I kind of feel robbed and cheated. I was also surprised the approval was a HP - it took 6 points out of my credit score.

It doesn't seem like such a bad result to me. You've got the card. You can easily move limits around. You can easily apply for soft pull CLI's. And a hard pull for a new credit card is the norm just about everywhere except American Express.

So if I were you I would chalk it up as a win.

Re: Amex Hilton Honors Surpass Shady Approval

bigseegar — Thu, 22 Sep 2022 13:02:09 GMT

@cmoe wrote:
I was approved for the Hilton Honors Surpass card with $4000 SL. As if the starting limit wasn't insulting enough, they immediately reduced my current BCP card limit from $41,600 to $37,600. They reallocated part of my BCP CL to the Honors card that has an AF of $95. I kind of feel robbed and cheated. I was also surprised the approval was a HP - it took 6 points out of my credit score.

It's actually simple. That means you've reached your "internal" CL at $41,600 with AmEx. That's why the $4K CL and the moving of that $4K to the new card. If you want it higher than $4K you'd have to move even more from the BCP card. You said in another post back in December that you upgraded your BCE to BCP and ask for a $10K CLI and AmEx requested 3 months bank statements. So, that's where the internal limit came from and is based on those statements and income they saw. Also there's never been any quarantee that new cards are only a SP with AmEx as there have been many reports of new cards on exsisting accts being HP's. Given the current financial environment it's probably only going to get tighter with lenders.

Re: Amex Hilton Honors Surpass Shady Approval

cmoe — Thu, 22 Sep 2022 16:27:51 GMT

@bigseegar wrote:
@cmoe wrote:
I was approved for the Hilton Honors Surpass card with $4000 SL. As if the starting limit wasn't insulting enough, they immediately reduced my current BCP card limit from $41,600 to $37,600. They reallocated part of my BCP CL to the Honors card that has an AF of $95. I kind of feel robbed and cheated. I was also surprised the approval was a HP - it took 6 points out of my credit score.

It's actually simple. That means you've reached your "internal" CL at $41,600 with AmEx. That's why the $4K CL and the moving of that $4K to the new card. If you want it higher than $4K you'd have to move even more from the BCP card. You said in another post back in December that you upgraded your BCE to BCP and ask for a $10K CLI and AmEx requested 3 months bank statements. So, that's where the internal limit came from and is based on those statements and income they saw. Also there's never been any quarantee that new cards are only a SP with AmEx as there have been many reports of new cards on exsisting accts being HP's. Given the current financial environment it's probably only going to get tighter with lenders.

I thought so because recently, I tried to raise the BCP CL to 50k, and they asked for bank statements again, but I didn't provide them. They won't raise my limit, but they've been trying to have me get the Platinum and the Gold for $695 and $250 AFs. So I think they know what they're doing.

Anyway, I got four cards recently: BofA, CSP, CFU, and Barclay Aviator. So I'll be focusing on growing these instead. I heard BofA is very generous with CLIs. I'm done with new cards for the year - heading to the garden.

Re: Amex Hilton Honors Surpass Shady Approval

Stealth-1 — Fri, 23 Sep 2022 12:10:47 GMT

Well, at least it was approved and hopefully you can grow it. @bigseegar brought up great points.

Re: Amex Hilton Honors Surpass Shady Approval

Limitless-Credit — Fri, 23 Sep 2022 01:21:18 GMT

Congrats on the AMEX HHS approval.