I picked up two cards I have had my eye on the other day. I am still in the middle of a rebuild on my personal credit, so I have hit a bit of a wall with AmEx as far as getting CLIs and new cards. I am about a year and a half away from my credit being completely clean, so I am looking forward to that! Before applying for these two cards, I had the personal Platinum, personal Delta Reserve ($1k), and the Amazon Business Prime ($3k). My Experian F08 score was 686 at the time of these apps. I always pay in full and on time with AmEx.
I had applied for the Hilton business card before and had been denied. They would ask for me to link my bank account and I was denied even after doing that. They mentioned my personal credit score in the letter and that they wanted to see more money sitting in the bank. I usually keep my business bank account at a lower balance, so that may have been the issue. Well, I decided to try again recently since I had a some money sitting in my business account (about $7k). This time, I was instantly approved for the Hilton Business card after linking my bank! They gave me another $3k SL. After finally getting that card, I decided to try for the Blue Business Plus. I went through the same process and was also instantly approved! They only gave me $2k as a starting line on the BBP, but I am okay with that because it is plenty for my needs. I am also going to make use of the signup bonuses on both of these cards. Maybe they aren't huge approvals, but they mean a lot more when you are working hard on a rebuild. i estimate the bonuses of 130k Hilton points, $130 Hilton statement credit, and 15k MR points to be worth about $1,300 in total, depending on the usage.
@RehabbingANDBlabbing wrote:I picked up two cards I have had my eye on the other day. I am still in the middle of a rebuild on my personal credit, so I have hit a bit of a wall with AmEx as far as getting CLIs and new cards. I am about a year and a half away from my credit being completely clean, so I am looking forward to that! Before applying for these two cards, I had the personal Platinum, personal Delta Reserve ($1k), and the Amazon Business Prime ($3k). My Experian F08 score was 686 at the time of these apps. I always pay in full and on time with AmEx.
I had applied for the Hilton business card before and had been denied. They would ask for me to link my bank account and I was denied even after doing that. They mentioned my personal credit score in the letter and that they wanted to see more money sitting in the bank. I usually keep my business bank account at a lower balance, so that may have been the issue. Well, I decided to try again recently since I had a some money sitting in my business account (about $7k). This time, I was instantly approved for the Hilton Business card after linking my bank! They gave me another $3k SL. After finally getting that card, I decided to try for the Blue Business Plus. I went through the same process and was also instantly approved! They only gave me $2k as a starting line on the BBP, but I am okay with that because it is plenty for my needs. I am also going to make use of the signup bonuses on both of these cards. Maybe they aren't huge approvals, but they mean a lot more when you are working hard on a rebuild. i estimate the bonuses of 130k Hilton points, $130 Hilton statement credit, and 15k MR points to be worth about $1,300 in total, depending on the usage.
Congratulations.
Both cards are excellent.
Congrats on your approvals! We're at a similar point in our rebuild.
Both of these cards are favorites in my wallet! I hope you get a ton of value from them as well.
