topic Re: Amex must be in a giving mood in Credit Cards

Amex must be in a giving mood

toppers555 — Tue, 15 Jan 2013 05:27:14 GMT

I decided wth let me apply since I am now a member of the family with my simplycash, and reading about Revelate recent success expecting to get denied, and well this happened...

01/13/13

BLUE CASH (SM) FROM AMERICAN EXPRESS

Approved

Congratulations! Your application has been approved and you should receive your new card within 7-10 days.
If you requested a balance transfer to this card, click here to view the status of that transfer

I appiled for older 5,5,1 combo.

Re: Amex must be in a giving mood

09Lexie — Tue, 15 Jan 2013 05:29:05 GMT

Congrats! You guys are tempting me!

Re: Amex must be in a giving mood

Anonymous — Tue, 15 Jan 2013 05:29:12 GMT

Congrats

Re: Amex must be in a giving mood

tennisfan78 — Tue, 15 Jan 2013 05:36:55 GMT

Awesome congrats!!!

Re: Amex must be in a giving mood

Revelate — Tue, 15 Jan 2013 06:24:59 GMT

Congrats dude! Seriously though your TU 700+ score means your report is waaaaaay prettier than mine so I'm not surprised at all you were approved honestly .

Re: Amex must be in a giving mood

chnceit — Tue, 15 Jan 2013 06:40:45 GMT

Congrats OP! I love the look of my Simple Cash card

Re: Amex must be in a giving mood

toppers555 — Tue, 15 Jan 2013 07:05:45 GMT

@Revelate wrote:
Congrats dude! Seriously though your TU 700+ score means your report is waaaaaay prettier than mine so I'm not surprised at all you were approved honestly .

My ex, and Eq are both around your scores, but then again the judgement, and collection I have on my report falls off in may , and june. I am actually considering holding off on CSP , and cash+ to end of year now.

Re: Amex must be in a giving mood

Revelate — Tue, 15 Jan 2013 07:09:36 GMT

@toppers555 wrote:
@Revelate wrote:
Congrats dude! Seriously though your TU 700+ score means your report is waaaaaay prettier than mine so I'm not surprised at all you were approved honestly .

My ex, and Eq are both around your scores, but then again the judgement, and collection I have on my report falls off in may , and june. I am actually considering holding off on CSP , and cash+ to end of year now.

Interesting, some of my negatives are a lot more recent. If you get your EX from Amex would you mind sharing it here?

Personally if I were you I'd wait I think if your scores are similar to mine, my Freedom application of all things is pending, and it's a heck of a lot easier to get approved for from an underwriting perspective than the CSP / Cash+. If you're going to get a big bump (likely if those are your only derogs) with two negatives coming off, just hang out would be my opinion. Not really any rush on those two except the potential lost payment history, which over the long run is pretty trivial.

Re: Amex must be in a giving mood

toppers555 — Tue, 15 Jan 2013 07:42:12 GMT

Sure I will post it , but I am pretty sure it around 650-660 range from last month Amex denial , which is why I am certain it had to be related to my simplecash /interalscore. income 60k , only experian pulled. Also I already have cash rewards , so cash+ would not be a completely new card.

01/04/13

AMERICAN EXPRESS SIMPLYCASH (SM) BUSINESS CARD

Approved

Congratulations! Your application has been approved and you should receive your new card within 7-10 days. If you requested a balance transfer to this card, click here to view the status of that transfer

11/29/12

BLUE CASH PREFERRED(SM)

Declined