topic Re: AMEX Gold APPROVED! in Credit Card Approvals

AMEX Gold APPROVED!

citymunky — Fri, 25 Nov 2022 10:48:57 GMT

Being that my credit was in dumper early last year (long story), I never thought I would be approved for AMEX card until my baddies fell off my report. I would always check if I qualify for an offer on the AMEX website, but I never did, I was afraid of the hard pull with the very real possibility of being deined. After learning that AMEX is now approved apps with soft pull data, I decided to try my luck with the AMEX Gold Card, which, to my surprise 😮 I was approved! To accept the card, I had to agree to the official EX hard pull which did dropped my score by a point. I know I said I was going to do some gardening after my SavorOne approval, but building a relationship AMEX was too temping after knowing I was going to be approved.

Data Point: AMEX made a Hard Inquiry on EX for me to accept the card, but I also got a notice from Credit Karma that AMEX also tried to pull my TU, which was locked.

Re: AMEX Gold APPROVED!

FishingGuy — Fri, 25 Nov 2022 02:49:36 GMT

Congratulations on getting in with Amex on your rebuild. Now take it slow..... use the card and pay in full. A few years ago I was excited to be approved for the Amex Gold also...... I often pay my card in full before the bill cuts... now I have several other cards with them and an additional $47,500 in credit. ( and I don't really ask for increases ). If you're good with them, they're good with you.

Re: AMEX Gold APPROVED!

firefox100 — Fri, 25 Nov 2022 02:56:18 GMT

Congratulations enjoy happy thanksgiving.

Re: AMEX Gold APPROVED!

M_Smart007 — Fri, 25 Nov 2022 03:12:19 GMT

Congrats on your Gold Approval.

Re: AMEX Gold APPROVED!

coreyb80 — Fri, 25 Nov 2022 03:15:05 GMT

Congrats on the approval!

Re: AMEX Gold APPROVED!

nytokyobred79 — Fri, 25 Nov 2022 03:34:02 GMT

Congratulations on getting in with Amex. Echoing what @FishingGuy said. Take it slow, use the card responsibly and Amex will eventually offer you more credit options down the line. Good luck with building a strong relationship with them.

Re: AMEX Gold APPROVED!

FLLGuy — Fri, 25 Nov 2022 03:39:59 GMT

Congrats and Welcome to Amex - they've been waiting on you! woooohoooo! Love Amex CSR is better than most other institutions.

Re: AMEX Gold APPROVED!

IamWesty12 — Fri, 25 Nov 2022 03:47:56 GMT

@citymunky wrote:
Being that my credit was in dumper early last year (long story), I never thought I would be approved for AMEX card until my baddies fell off my report. I would always check if I qualify for an offer on the AMEX website, but I never did, I was afraid of the hard pull with the very real possibility of being deined. After learning that AMEX is now approved apps with soft pull data, I decided to try my luck with the AMEX Gold Card, which, to my surprise 😮 I was approved! To accept the card, I had to agree to the official EX hard pull which did dropped my score by a point. I know I said I was going to do some gardening after my SavorOne approval, but building a relationship AMEX was too temping after knowing I was going to be approved.

Edit: Just notice, I posted this on the wrong section.

@citymunky Congrats! I remember years ago I had an Amex card that eventually went to S**T. Flash forward about 1.5 years ago and I got an Amex card, granted it was $1K SL but it stated at the top of my welcome letter "Member since 1988" lol! You are back in now, baby.....CELEBRATE!!!!

Re: AMEX Gold APPROVED!

OmarGB9 — Fri, 25 Nov 2022 05:41:22 GMT

@FishingGuy wrote:
Congratulations on getting in with Amex on your rebuild. Now take it slow..... use the card and pay in full. A few years ago I was excited to be approved for the Amex Gold also...... I often pay my card in full before the bill cuts... now I have several other cards with them and an additional $47,500 in credit. ( and I don't really ask for increases ). If you're good with them, they're good with you.

Being that the Gold card is a charge card, it MUST be paid in full every month. Unless you use Pay Over Time, but that has it's risks and can lead to a hard limit being placed on the Gold card.

Anyway, @citymunky congrats!

Re: AMEX Gold APPROVED!

gingerflower — Fri, 25 Nov 2022 06:13:32 GMT

@citymunky

Congratulations on your American Gold Express!

Re: AMEX Gold APPROVED!

citymunky — Fri, 25 Nov 2022 10:25:01 GMT

@FishingGuy @OmarGB9 Thanks for the advice, which PIF is the plan as it's the way I had normally operated during my rebuild. (Normally I PIF before the statement, but sometimes I leave a small amount to report, than I PIF before due date. Current credit UTL is 3% with 2% of that coming from my AU card).

Also Thank you All for the congrats!

Re: AMEX Gold APPROVED!

citymunky — Fri, 25 Nov 2022 10:31:05 GMT

@FLLGuy I see you that you do really like AMEX, 5 of your 12 cards are from AMEX (not counting the 2 AU cards). Maybe later after I garden a year or two, I'll apply to the Blue Cash Preferred for the 6% cash back on groceries, which is double what SavorOne offers.

Re: AMEX Gold APPROVED!

citymunky — Fri, 25 Nov 2022 10:41:28 GMT

@IamWesty12, I'm glad you were able to get back with AMEX, I'm in a similar situation with Navy Federal Credit Union. I had no choice but to burn them during a BK13 after my divorce (I had an auto loan and Credit Card was up-to-date with them, but I had to file to get other creditors off my back). Unfortunately, NFCU never forgets, and unless I pay back over the over $15K that was discharged, they would never offer a credit product to me even again. As far as my relationship with AMEX, this is my first with them.

Re: AMEX Gold APPROVED!

KingRue8500 — Fri, 25 Nov 2022 11:47:27 GMT

Congrats on your AMEX Gold approval

Re: AMEX Gold APPROVED!

Yasselife — Fri, 25 Nov 2022 11:56:33 GMT

Congratulations on your Amex Gold approval ! @citymunky

Re: AMEX Gold APPROVED!

FishingGuy — Fri, 25 Nov 2022 22:55:17 GMT

Yes Omar, That is absolutely tue...... but let me clarify what I meant...
which is... that I often (or most of the time) pay the balance in full, when there is no balance due, and do that PRIOR to the bill cutting so it reports as a zero balance.

Re: AMEX Gold APPROVED!

citymunky — Fri, 25 Nov 2022 23:10:55 GMT

Concur with @FishingGuy. I set a side the money I plan on spending with my Credit Cards in a separate checking account. I used that separate checking account solely paying off my debts as before the statement is cut. I also juggle with cards I allowed to report a low balance than PIF right after a statement is cut to efforts to keep all my cards active.

Re: AMEX Gold APPROVED!

IamWesty12 — Sat, 26 Nov 2022 02:35:12 GMT

@citymunky wrote:
@IamWesty12, I'm glad you were able to get back with AMEX, I'm in a similar situation with Navy Federal Credit Union. I had no choice but to burn them during a BK13 after my divorce (I had an auto loan and Credit Card was up-to-date with them, but I had to file to get other creditors off my back). Unfortunately, NFCU never forgets, and unless I pay back over the over $15K that was discharged, they would never offer a credit product to me even again. As far as my relationship with AMEX, this is my first with them.

@citymunky ahh I see now. So funny, our stories are similar about who we burned during divorces but cards are flopped, lol. Truth of the matter, it was a bit long ago for me so I can't recall if I had paid Amex back or not but I guess if I didn't pay them years ago I would not be welcomed back in??? Or maybe that is why the limit has been stalled at $1k??? I get it though if that is the case, I burned them once, why would they give me that chance again to do it twice! I love that I am in with NFCU, from the 2 mths I have been a member, I see great things from them. If I hadn't been approved for a USDA 502 direct mortgage I would have probably applied with them for my mortgage. Well, live and learn ey??? Congrats and enjoy!

Re: AMEX Gold APPROVED!

CreditAggie — Sat, 26 Nov 2022 02:36:09 GMT

Congratulations on your Amex Gold approval!

Re: AMEX Gold APPROVED!

cashorcharge — Sat, 26 Nov 2022 04:20:30 GMT

WooHoo!! Congratulations on your AME GOLD Approval!!👏🏼🍾🥂