topic Re: App Spree! in Credit Cards

App Spree!

WolfMan — Sat, 23 Mar 2013 22:01:00 GMT

My prior post, I was wondering about going for the Amex again... I bit the bullet... Here are the results...

Amex Hilton Honors - Got the 14 day message... Figure it's a decline.

Tried the chase freedom - Instant approval for 4K

Saw the US Bank Kroger 123 rewards, Figured I already had about 8-9 inq now, might as well try - 14 day message.

Today I got the message from US Bank - Approved - Dont know the limit.

Then I decided to check on the Amex again... Approved!!! FInally!!!

I gotta find out my limits, but even if small, I'm back in with AMEX!!

Off for a looooong stay in the garden now. No More Apps!

It's awesome to think, just 2 meesley years ago, I couldn't even get approved for a car loan.

Re: App Spree!

Epcot — Sat, 23 Mar 2013 22:27:41 GMT

Nicely done, Congrats on your successful spree!

Re: App Spree!

Anonymous — Sat, 23 Mar 2013 23:14:35 GMT

Ignore this, I didn't see you already found out you were approved from USBank.

Re: App Spree!

dodgerslv — Sat, 23 Mar 2013 23:22:02 GMT

@WolfMan wrote:
My prior post, I was wondering about going for the Amex again... I bit the bullet... Here are the results...

Amex Hilton Honors - Got the 14 day message... Figure it's a decline.
Tried the chase freedom - Instant approval for 4K
Saw the US Bank Kroger 123 rewards, Figured I already had about 8-9 inq now, might as well try - 14 day message.

Today I got the message from US Bank - Approved - Dont know the limit.
Then I decided to check on the Amex again... Approved!!! FInally!!!

I gotta find out my limits, but even if small, I'm back in with AMEX!!

Off for a looooong stay in the garden now. No More Apps!

It's awesome to think, just 2 meesley years ago, I couldn't even get approved for a car loan.

Congrats!!!!

Re: App Spree!

youngandcreditwrthy — Sat, 23 Mar 2013 23:23:36 GMT

Congrats! That Kroger card even has a bt option!

Re: App Spree!

SisterGirl — Sat, 23 Mar 2013 23:26:31 GMT

Congrats ! Great job....

SisterGirl

Re: App Spree!

FocusedAndDetermined — Sat, 23 Mar 2013 23:37:06 GMT

Congrats!

If it's not to personal, would you please share your previous history with Amex?

Re: App Spree!

WolfMan — Sat, 23 Mar 2013 23:46:08 GMT

@FocusedAndDetermined wrote:
Congrats!

If it's not to personal, would you please share your previous history with Amex?

Sure...

2002 Had an amex I didn't know about with 1800 limit (Ex Wife nicely got it for me, if you know what I mean)

Divorced in 2006 - maxed card went into collections. I ended up paying in full and got an Oasis/Optima card.

7 Years, never missed a payment, was my only card, 900 Limit. about 30% utilized.

Had that until this past January when I cancelled it because I couldn't apply for a real card. Got Declined for numerous reasons.

Tried a couple other revolvers and a green card, all declined. ( Fico in the 650 range then )

( They triple ageny hard pulled me twice for the green for some reason when I recon'd )

This month all my ficos were abover 700, (Last baddie dropped off) so tried again.

Re: App Spree!

FocusedAndDetermined — Sun, 24 Mar 2013 00:04:07 GMT

@WolfMan wrote:
@FocusedAndDetermined wrote:
Congrats!

If it's not to personal, would you please share your previous history with Amex?
Sure...

2002 Had an amex I didn't know about with 1800 limit (Ex Wife nicely got it for me, if you know what I mean)
Divorced in 2006 - maxed card went into collections. I ended up paying in full and got an Oasis/Optima card.
7 Years, never missed a payment, was my only card, 900 Limit. about 30% utilized.
Had that until this past January when I cancelled it because I couldn't apply for a real card. Got Declined for numerous reasons.
Tried a couple other revolvers and a green card, all declined. ( Fico in the 650 range then )
( They triple ageny hard pulled me twice for the green for some reason when I recon'd )
This month all my ficos were abover 700, (Last baddie dropped off) so tried again.

Thanks for sharing. My history with Amex is a little more tarnished than yours. Perhaps one day I will have the "extra" funds to make good with them. Until then I am happy with where I am.

Re: App Spree!

BCGCredit — Sun, 24 Mar 2013 00:08:13 GMT

Congrats!!! I am hoping to follow your past next year

Re: App Spree!

WolfMan — Sun, 24 Mar 2013 01:21:01 GMT

@FocusedAndDetermined wrote:
@WolfMan wrote:
@FocusedAndDetermined wrote:
Congrats!

If it's not to personal, would you please share your previous history with Amex?
Sure...

2002 Had an amex I didn't know about with 1800 limit (Ex Wife nicely got it for me, if you know what I mean)
Divorced in 2006 - maxed card went into collections. I ended up paying in full and got an Oasis/Optima card.
7 Years, never missed a payment, was my only card, 900 Limit. about 30% utilized.
Had that until this past January when I cancelled it because I couldn't apply for a real card. Got Declined for numerous reasons.
Tried a couple other revolvers and a green card, all declined. ( Fico in the 650 range then )
( They triple ageny hard pulled me twice for the green for some reason when I recon'd )
This month all my ficos were abover 700, (Last baddie dropped off) so tried again.
Thanks for sharing. My history with Amex is a little more tarnished than yours. Perhaps one day I will have the "extra" funds to make good with them. Until then I am happy with where I am.

After the divorce, and I found all this stuff, I ended pulling my 401k to pay things off, had a foreclosed home, lost my job, etc.

Most things I settled for a lesser amount, I paid Amex in full because I knew some day I'd want them again.

Over the past 7 years, I havent been able to get any kind of credit, then things started dropping off. My very last baddie dropped of early this year.

I got my life back, finally. It's been a long road.

Re: App Spree!

SisterGirl — Sun, 24 Mar 2013 01:34:27 GMT

@WolfMan wrote:
@FocusedAndDetermined wrote:
@WolfMan wrote:
@FocusedAndDetermined wrote:
Congrats!

If it's not to personal, would you please share your previous history with Amex?
Sure...

2002 Had an amex I didn't know about with 1800 limit (Ex Wife nicely got it for me, if you know what I mean)
Divorced in 2006 - maxed card went into collections. I ended up paying in full and got an Oasis/Optima card.
7 Years, never missed a payment, was my only card, 900 Limit. about 30% utilized.
Had that until this past January when I cancelled it because I couldn't apply for a real card. Got Declined for numerous reasons.
Tried a couple other revolvers and a green card, all declined. ( Fico in the 650 range then )
( They triple ageny hard pulled me twice for the green for some reason when I recon'd )
This month all my ficos were abover 700, (Last baddie dropped off) so tried again.
Thanks for sharing. My history with Amex is a little more tarnished than yours. Perhaps one day I will have the "extra" funds to make good with them. Until then I am happy with where I am.

After the divorce, and I found all this stuff, I ended pulling my 401k to pay things off, had a foreclosed home, lost my job, etc.
Most things I settled for a lesser amount, I paid Amex in full because I knew some day I'd want them again.
Over the past 7 years, I havent been able to get any kind of credit, then things started dropping off. My very last baddie dropped of early this year.
I got my life back, finally. It's been a long road.

No storm lasts always & the sun comes out again. AMEX was there when my credit took a beating through my divorce, but were ALWAYS by me when I needed them, But life is better now & it's always nice when you hear from someone that survived the storm rather than allowing the storm to steal their joy. Glad that we have this very supportive community in which we learn from each other.

SisterGirl

Re: App Spree!

Anonymous — Sun, 24 Mar 2013 01:38:02 GMT

Congrats on your spree.

Re: App Spree!

thom02099 — Sun, 24 Mar 2013 02:17:03 GMT

CONGRATS on your success! That's great progress, thanks for sharing that.

And...Welcome to the Garden ! !

ONWARD AND UPWARD ! ! !

Re: App Spree!

FocusedAndDetermined — Sun, 24 Mar 2013 02:25:55 GMT

@WolfMan wrote:
@FocusedAndDetermined wrote:
@WolfMan wrote:
@FocusedAndDetermined wrote:
Congrats!

If it's not to personal, would you please share your previous history with Amex?
Sure...

2002 Had an amex I didn't know about with 1800 limit (Ex Wife nicely got it for me, if you know what I mean)
Divorced in 2006 - maxed card went into collections. I ended up paying in full and got an Oasis/Optima card.
7 Years, never missed a payment, was my only card, 900 Limit. about 30% utilized.
Had that until this past January when I cancelled it because I couldn't apply for a real card. Got Declined for numerous reasons.
Tried a couple other revolvers and a green card, all declined. ( Fico in the 650 range then )
( They triple ageny hard pulled me twice for the green for some reason when I recon'd )
This month all my ficos were abover 700, (Last baddie dropped off) so tried again.
Thanks for sharing. My history with Amex is a little more tarnished than yours. Perhaps one day I will have the "extra" funds to make good with them. Until then I am happy with where I am.

After the divorce, and I found all this stuff, I ended pulling my 401k to pay things off, had a foreclosed home, lost my job, etc.
Most things I settled for a lesser amount, I paid Amex in full because I knew some day I'd want them again.
Over the past 7 years, I havent been able to get any kind of credit, then things started dropping off. My very last baddie dropped of early this year.
I got my life back, finally. It's been a long road.

Wow, you've really been through the wringer. Glad to see you are back on top and standing tall.

Re: App Spree!

ObeyJohnny12 — Sun, 24 Mar 2013 04:04:22 GMT

Nice spree! Congrats! You're making excellent progress!

Re: App Spree!

Anonymous — Sun, 24 Mar 2013 06:15:53 GMT

congrats

Re: App Spree!

WarJar101 — Mon, 25 Mar 2013 17:54:02 GMT

AMEX: 866-314-0237 (Application reconsideration BEST)

American Express: 800-809-6849 (lending dept)

AMEX: 877-399-3083 (New accounts)

Use this website to check on your pending application, https://www262.americanexpress.com/eaol/welcome.do

WolfMan, I'm glad you found your smile again brother. I'm still looking for mines, but I know it's going to be alright. Best of luck.

Re: App Spree!

Anonymous — Mon, 25 Mar 2013 18:17:44 GMT

Bravo!! Nicely done!! Congratulations

Re: App Spree!

distantarray — Mon, 25 Mar 2013 19:08:43 GMT

well the silverlining is your ex wife got you nicely backdated now her screwing you over actually worked for your benefit now =)