topic Re: STARTING RELATIONSHIP WITH AMEX in Credit Cards

STARTING RELATIONSHIP WITH AMEX

Anonymous — Tue, 18 Jun 2019 19:29:04 GMT

I just recently got my first Amex card. The gold Delta. How long should i wait to try to apply for the Gold charge card or the Platnium ?

Credit at about 680 and i have 2 cards with BOA and now the gold Delta with Amex! 2 years of credit history !

Re: STARTING RELATIONSHIP WITH AMEX

SouthJamaica — Tue, 18 Jun 2019 19:36:40 GMT

@Anonymous wrote:
I just recently got my first Amex card. The gold Delta. How long should i wait to try to apply for the Gold charge card or the Platnium ?
Credit at about 680 and i have 2 cards with BOA and now the gold Delta with Amex! 2 years of credit history !

The charge cards aren't hard to get. But it's probably a good idea to spread things out.

Re: STARTING RELATIONSHIP WITH AMEX

800FICOGoal — Tue, 18 Jun 2019 21:27:50 GMT

Given your limited history, I would say a minimum of six months depending on your profile. Some will say less, but thats my conservative opinion.

Re: STARTING RELATIONSHIP WITH AMEX

Anonymous — Tue, 18 Jun 2019 23:06:28 GMT

You could get it now, but with little history with them and average scores , you’ll probably be bumping into their no-preset-limit pretty quickly. Might not bother you but it would annoy me to have my card declined.

Re: STARTING RELATIONSHIP WITH AMEX

Anonymous — Tue, 18 Jun 2019 23:07:42 GMT

I would wait 2 months and check preapprovals. I went the other way, Gold -> Delta Gold in 60 days. Just make sure to really put some use on the Delta as AMEX likes swipes more than any other.

Usually getting the charge card first makes it easier to get revolvers than revolver to charge, but that’s IMO.

Re: STARTING RELATIONSHIP WITH AMEX

wasCB14 — Tue, 18 Jun 2019 23:11:37 GMT

I got a Gold at 6.5 months of history and a $6k BCE SL at 9 months.

Re: STARTING RELATIONSHIP WITH AMEX

Anonymous — Thu, 20 Jun 2019 06:21:28 GMT

@Anonymous wrote:
I just recently got my first Amex card. The gold Delta. How long should i wait to try to apply for the Gold charge card or the Platnium ?
Credit at about 680 and i have 2 cards with BOA and now the gold Delta with Amex! 2 years of credit history !

I got the Amex Gold as my first Amex card last year , october 2018 , just 2 days ago I applied for the Amex Hilton Ascend & got a starting limit of 45,000!! I already had a pretty good credit history though , but not long either.

Re: STARTING RELATIONSHIP WITH AMEX

paulesport — Thu, 20 Jun 2019 06:32:38 GMT

Whoa that's pretty amazing! Congrats on that CL. I can't imagine AmEx giving me that much. Looking at your cards in your siggy, I wonder if it's true what they say that the more CL you have on other cards, the larger the starting CL will be for newer cards. I just got my BonVoy Brilliant AmEx up to $14K so hoping when i go for the HH Aspire that it will be a large SL.

Re: STARTING RELATIONSHIP WITH AMEX

Anonymous — Thu, 20 Jun 2019 07:08:46 GMT

@paulesport wrote:
Whoa that's pretty amazing! Congrats on that CL. I can't imagine AmEx giving me that much. Looking at your cards in your siggy, I wonder if it's true what they say that the more CL you have on other cards, the larger the starting CL will be for newer cards. I just got my BonVoy Brilliant AmEx up to $14K so hoping when i go for the HH Aspire that it will be a large SL.

If you're talking to me , I have ok limits on my cards .. the only low ones are the wells fargo ones BUT that was my first credit card when I started my credit & I never updated my income which is much much more now so I am guessing that is why they never gave me high limits , but I got an email from them 2 days ago to update my income , so I am hoping for a CLI from my 2 WF cards As for my Hilton Ascend yes 45k SL is insane!

Re: STARTING RELATIONSHIP WITH AMEX

Anonymous — Thu, 20 Jun 2019 09:30:17 GMT

Jay, I’m still knocked over by your SL recon to that absurd limit. I love it!

Re: STARTING RELATIONSHIP WITH AMEX

Anonymous — Thu, 20 Jun 2019 16:34:03 GMT

@Anonymous wrote:
Jay, I’m still knocked over by your SL recon to that absurd limit. I love it!

It's so crazy , never would of thought!

Re: STARTING RELATIONSHIP WITH AMEX

Anonymous — Thu, 20 Jun 2019 20:08:00 GMT

From my experience with amex, i would recommend waiting 45 days or more until you apply for another one