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Amex OMG!

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Anonymous
Not applicable

Amex OMG!

So I am starting up a small business and decided I needed a seperate card for my expenses to make it easier on me to do the accounting.

Was looking at Chase Ink, but the application asked if I had been denied credit from Chase in the past 6 months; I had.

So on to Amex.

I have been denied personal cards from them 6 times in the past 6 months (I apply once a month lol), and was a little skeptical. Looking at the different ones they offer, I decided on the Simply Cash Business card.

Apped, and I get a screen saying it is in review and to call them up.

Gave them a ring and guy asked me a few questions and threw me on hold for nearly 10 minutes; sweating bullets........

He comes back on the line and apologizes for the long wait and says he has some excellent news! I nearly passed out!

His exact words are, "Sir, we are going to expedite the card for you and you should have this plastic in your hand in 72 hours!"

I didn't even ask about the limit or APR. I can wait 3 days. Smiley Wink

FINALLY IN WITH AMEX!

Message 1 of 20
19 REPLIES 19
Aarvard
Established Contributor

Re: Amex OMG!


@Anonymous wrote:

So I am starting up a small business and decided I needed a seperate card for my expenses to make it easier on me to do the accounting.

Was looking at Chase Ink, but the application asked if I had been denied credit from Chase in the past 6 months; I had.

So on to Amex.

I have been denied personal cards from them 6 times in the past 6 months (I apply once a month lol), and was a little skeptical. Looking at the different ones they offer, I decided on the Simply Cash Business card.

Apped, and I get a screen saying it is in review and to call them up.

Gave them a ring and guy asked me a few questions and threw me on hold for nearly 10 minutes; sweating bullets........

He comes back on the line and apologizes for the long wait and says he has some excellent news! I nearly passed out!

His exact words are, "Sir, we are going to expedite the card for you and you should have this plastic in your hand in 72 hours!"

I didn't even ask about the limit or APR. I can wait 3 days. Smiley Wink

FINALLY IN WITH AMEX!


Congrats! Now you can lock in your MSD for your future apps Smiley Wink

03/25/2015 TU 08 765, EX 08 747, EQ 08 757, EQ 04 754.
01/30/2016 TU 08 775, EX 08 752, EQ 08 744
Goal: 780+ across all models.
Message 2 of 20
Anonymous
Not applicable

Re: Amex OMG!

I have finally gotten in with lenders I have been wanting in with recently (Chase, Barclays, Amex) so I think I am done for a long time (unless of course a new shiny card comes out I just can't resist!).

Maybe it is finally time for the "eternal seedling" in my siggy to grow?

Message 3 of 20
Anonymous
Not applicable

Re: Amex OMG!


@Aarvard wrote:

@Anonymous wrote:

So I am starting up a small business and decided I needed a seperate card for my expenses to make it easier on me to do the accounting.

Was looking at Chase Ink, but the application asked if I had been denied credit from Chase in the past 6 months; I had.

So on to Amex.

I have been denied personal cards from them 6 times in the past 6 months (I apply once a month lol), and was a little skeptical. Looking at the different ones they offer, I decided on the Simply Cash Business card.

Apped, and I get a screen saying it is in review and to call them up.

Gave them a ring and guy asked me a few questions and threw me on hold for nearly 10 minutes; sweating bullets........

He comes back on the line and apologizes for the long wait and says he has some excellent news! I nearly passed out!

His exact words are, "Sir, we are going to expedite the card for you and you should have this plastic in your hand in 72 hours!"

I didn't even ask about the limit or APR. I can wait 3 days. Smiley Wink

FINALLY IN WITH AMEX!


Congrats! Now you can lock in your MSD for your future apps Smiley Wink


Yes!

Message 4 of 20
baller4life
Super Contributor

Re: Amex OMG!

Message 5 of 20
chalupaman
Super Contributor

Re: Amex OMG!

Welcome to the Amex family man!

 

Congrats.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 6 of 20
chalupaman
Super Contributor

Re: Amex OMG!


@Anonymous wrote:

So I am starting up a small business and decided I needed a seperate card for my expenses to make it easier on me to do the accounting.

Was looking at Chase Ink, but the application asked if I had been denied credit from Chase in the past 6 months; I had.

So on to Amex.

I have been denied personal cards from them 6 times in the past 6 months (I apply once a month lol), and was a little skeptical. Looking at the different ones they offer, I decided on the Simply Cash Business card.

Apped, and I get a screen saying it is in review and to call them up.

Gave them a ring and guy asked me a few questions and threw me on hold for nearly 10 minutes; sweating bullets........

He comes back on the line and apologizes for the long wait and says he has some excellent news! I nearly passed out!

His exact words are, "Sir, we are going to expedite the card for you and you should have this plastic in your hand in 72 hours!"

I didn't even ask about the limit or APR. I can wait 3 days. Smiley Wink

FINALLY IN WITH AMEX!


Did you already have a business before getting that card? That's cool you were able to get Simply Cash like that. Forgot to ask you that.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 7 of 20
Anonymous
Not applicable

Re: Amex OMG!

Well, just got an email saying I could go ahead and register my account online.

Got everything set up and there is my limit: $3k. That is what I said my monthly expenses would be. Not bad. Could potentially be $27k in 9 months per the 3x CLI schedule.

Message 8 of 20
Anonymous
Not applicable

Re: Amex OMG!


@chalupaman wrote:

@Anonymous wrote:

So I am starting up a small business and decided I needed a seperate card for my expenses to make it easier on me to do the accounting.

Was looking at Chase Ink, but the application asked if I had been denied credit from Chase in the past 6 months; I had.

So on to Amex.

I have been denied personal cards from them 6 times in the past 6 months (I apply once a month lol), and was a little skeptical. Looking at the different ones they offer, I decided on the Simply Cash Business card.

Apped, and I get a screen saying it is in review and to call them up.

Gave them a ring and guy asked me a few questions and threw me on hold for nearly 10 minutes; sweating bullets........

He comes back on the line and apologizes for the long wait and says he has some excellent news! I nearly passed out!

His exact words are, "Sir, we are going to expedite the card for you and you should have this plastic in your hand in 72 hours!"

I didn't even ask about the limit or APR. I can wait 3 days. Smiley Wink

FINALLY IN WITH AMEX!


Did you already have a business before getting that card? That's cool you were able to get Simply Cash like that. Forgot to ask you that.


I have just put in an application with my county clerk for a DBA business name 2 days ago.

It is just going to be a tax preparation business. I am taking classes for it right now.

I am a sole-proprietor, so the business uses my SS# for the tax ID#.

Message 9 of 20
TURNERHOOVER
Established Contributor

Re: Amex OMG!

CONGRATS 

EX 727 | EQ 720 | TU 740

FREEDOM 4.5k | BCP 9.5k | DISCOVER 2.5k | ARRIVAL+ 7.5k | RITZ CARLTON 15k
No new Apps till Dec 2016
Message 10 of 20
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