@Anonymous_0723 wrote:
@Anonymous wrote:A pre-equal not showing does not mean you won't get approved. What card are you looking to apply for? Based on the info you provided, you stand a strong chance of getting approved if you apply...
Oh, one last question. I see sometimes they give low starting cls, to your knowledge do the amount of inquiries and how recent they are go into play for the credit limit? Do they inc regularly or do you get stuck where they start you forever?
Amex is not inquiry sensitive. Your starting limit is determined by your current starting limits. But that is the last thing you should worry about when it comes to Amex. Amex cards tend to grow quickly when it comes to limits.
Another good cash back card is thw Chase Freedom. Discover is also good but I see you alreadt have that.
What are the limits on your current cards?
My oldest card is just from last April
And limits? If you don't want to disclose them, just say what your highest limit is and your lowest is. You are over thinking it. You will be fine with Amex but I understand the hesitancy...
Thank you so much for all your information. You have been very helpful and it is much appreciated.
You are welcome!! Go for the Amex and if denied, kill me afterwards
.. But I have my fingers crossed and hardly doubt it if you will be denied.
@Anonymous wrote:
@Anonymous_0723 wrote:
@Anonymous wrote:A pre-equal not showing does not mean you won't get approved. What card are you looking to apply for? Based on the info you provided, you stand a strong chance of getting approved if you apply...
Oh, one last question. I see sometimes they give low starting cls, to your knowledge do the amount of inquiries and how recent they are go into play for the credit limit? Do they inc regularly or do you get stuck where they start you forever?
Amex is not inquiry sensitive. Your starting limit is determined by your current starting limits. But that is the last thing you should worry about when it comes to Amex. Amex cards tend to grow quickly when it comes to limits.
Another good cash back card is thw Chase Freedom. Discover is also good but I see you alreadt have that.
What are the limits on your current cards?
My oldest card is just from last April
And limits? If you don't want to disclose them, just say what your highest limit is and your lowest is. You are over thinking it. You will be fine with Amex but I understand the hesitancy...
How odd, I typed them. I must have accidentally deleted them. Usaa 6000, discover 3500 Home Depot 3000, chevron 1800, and the capital one cards are lousy at 1300 and 2000, I see on their site I now qualify for the venture card and the regular quick silver but haven't wanted to take another credit check hit.
No problem.. You will be fine with Amex if that is the card you want. Go for it. Don't be scared... Now with Captial One, it will be a triple pull so if Amex is your main preference , then go for Amex and then think of Capital One later...
Thank you, I noticed that this morning. I am sort of considering canceling my cards with them. But will decide that later. Amex has been my "I've done well card" so it's probably the one I will go for. I get things in the mail all the time for Chase and Citi, might be worth doing Amex and Chase at the same time in hopes of just one hit? Thanks to your help, I just might go for it. 
@Anonymous_0723 wrote:
No problem.. You will be fine with Amex if that is the card you want. Go for it. Don't be scared... Now with Captial One, it will be a triple pull so if Amex is your main preference , then go for Amex and then think of Capital One later...
Thank you, I noticed that this morning. I am sort of considering canceling my cards with them. But will decide that later. Amex has been my "I've done well card" so it's probably the one I will go for. I get things in the mail all the time for Chase and Citi, might be worth doing Amex and Chase at the same time in hopes of just one hit? Thanks to your help, I just might go for it.
If you apply for both Amex and Chase, it will be different inquiries since they are different companies. With Chase, there is a new rule of if 5 new accounts in the last 2 years then an automatic denial. Although, Chase isn't adhering to this rule strictly, go for the Amex card first before anything else.
@Anonymous wrote:
@Anonymous_0723 wrote:
No problem.. You will be fine with Amex if that is the card you want. Go for it. Don't be scared... Now with Captial One, it will be a triple pull so if Amex is your main preference , then go for Amex and then think of Capital One later...
Thank you, I noticed that this morning. I am sort of considering canceling my cards with them. But will decide that later. Amex has been my "I've done well card" so it's probably the one I will go for. I get things in the mail all the time for Chase and Citi, might be worth doing Amex and Chase at the same time in hopes of just one hit? Thanks to your help, I just might go for it.
If you apply for both Amex and Chase, it will be different inquiries since they are different companies. With Chase, there is a new rule of if 5 new accounts in the last 2 years then an automatic denial. Although, Chase isn't adhering to this rule strictly, go for the Amex card first before anything else.
I sort of suspected that. Thanks for the input.
Hi there OP, I have created your own thread on this, I changed the title and left everything else intact. You can edit the title if you wish by using he Edit Reply from the options pull down in the intial post.
gdale6
@Anonymous_0723 wrote:
@Anonymous wrote:
@Anonymous_0723 wrote:
No problem.. You will be fine with Amex if that is the card you want. Go for it. Don't be scared... Now with Captial One, it will be a triple pull so if Amex is your main preference , then go for Amex and then think of Capital One later...
Thank you, I noticed that this morning. I am sort of considering canceling my cards with them. But will decide that later. Amex has been my "I've done well card" so it's probably the one I will go for. I get things in the mail all the time for Chase and Citi, might be worth doing Amex and Chase at the same time in hopes of just one hit? Thanks to your help, I just might go for it.
If you apply for both Amex and Chase, it will be different inquiries since they are different companies. With Chase, there is a new rule of if 5 new accounts in the last 2 years then an automatic denial. Although, Chase isn't adhering to this rule strictly, go for the Amex card first before anything else.
I sort of suspected that. Thanks for the input.
You are welcome... Now, when you do the needful, do update as I am curious also to the starting limit should you get approved.
@Anonymous wrote:
@Anonymous_0723 wrote:
@Anonymous wrote:
@Anonymous_0723 wrote:
No problem.. You will be fine with Amex if that is the card you want. Go for it. Don't be scared... Now with Captial One, it will be a triple pull so if Amex is your main preference , then go for Amex and then think of Capital One later...
Thank you, I noticed that this morning. I am sort of considering canceling my cards with them. But will decide that later. Amex has been my "I've done well card" so it's probably the one I will go for. I get things in the mail all the time for Chase and Citi, might be worth doing Amex and Chase at the same time in hopes of just one hit? Thanks to your help, I just might go for it.
If you apply for both Amex and Chase, it will be different inquiries since they are different companies. With Chase, there is a new rule of if 5 new accounts in the last 2 years then an automatic denial. Although, Chase isn't adhering to this rule strictly, go for the Amex card first before anything else.
I sort of suspected that. Thanks for the input.
You are welcome... Now, when you do the needful, do update as I am curious also to the starting limit should you get approved.
Approved for a 2000.00 limit, not high but, I have an Amex card!!!! Thank you for encouraging me. I hope they increase like my other cards have