Good luck to all you AMEX app'ers!

WLRK11 · ‎12-31-2014

Good luck to all you AMEX app'ers who have been patiently waiting for January 1 for maximum backdating. What AMEX(s) are you app'ing?

Age: 20s | AAoA: 2 yrs | FICO Scores: 700s | Inq: EX: ?, EQ: ?, TR: ? | GARDENING AS OF 06/2014

CL: $2,500 APR: x% - WF College Cash Back VISA

CL: $750 APR: x% - Captial One Secured MC

CL: $3,000 APR: 9.90% - NASA FCU Unsecured LOC

Anonymous · ‎12-31-2014

None.

Anonymous · ‎12-31-2014

BCE!

chalupaman · ‎12-31-2014

Must resist temptation to go for that Hilton HHonors Surpass card.

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

dodgerslv · ‎12-31-2014

@chalupaman wrote:
Must resist temptation to go for that Hilton HHonors Surpass card.

same here 72...the Hilton Surpass would go great with my Citi Reserve...just got approved for 2 amex revolvers in November. I just closed my BCP today so i know i could have one more...LOL

gardening since 5/21/2016

Jaylima91 · ‎12-31-2014

My indecision is driving me berserk. I want to apply for the EDP for backdating purposes but I really don't think I want another HP and new TL.

dodgerslv · ‎12-31-2014

@Jaylima91 wrote:
My indecision is driving me berserk. I want to apply for the EDP for backdating purposes but I really don't think I want another HP and new TL.

well technically it will not be a new TL Jay...

gardening since 5/21/2016

chalupaman · ‎12-31-2014

@dodgerslv wrote:
@chalupaman wrote:
Must resist temptation to go for that Hilton HHonors Surpass card.
same here 72...the Hilton Surpass would go great with my Citi Reserve...just got approved for 2 amex revolvers in November. I just closed my BCP today so i know i could have one more...LOL

My last Amex card was also approved in November and the big reason this card keeps coming to my mind is that I saw a link on another website for a very sweet sign up offer. If PRG's benefits hadn't been watered down the way they had, I'd be more likely to consider that card as well. The AF on that is waived anyway, so I dunno. I wanna see what happens when I'm able to get two backdated cards at one time.

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

Jaylima91 · ‎12-31-2014

That's my confusion. How will it report? It won't report as a new TL?

dodgerslv · ‎12-31-2014

@chalupaman wrote:
@dodgerslv wrote:
@chalupaman wrote:
Must resist temptation to go for that Hilton HHonors Surpass card.
same here 72...the Hilton Surpass would go great with my Citi Reserve...just got approved for 2 amex revolvers in November. I just closed my BCP today so i know i could have one more...LOL
My last Amex card was also approved in November and the big reason this card keeps coming to my mind is that I saw a link on another website for a very sweet sign up offer. If PRG's benefits hadn't been watered down the way they had, I'd be more likely to consider that card as well. The AF on that is waived anyway, so I dunno. I wanna see what happens when I'm able to get two backdated cards at one time.

l hear ya...i always keep telling myself well if its denied no harm done (only a SP) but how about if i do get luck and get approved? then there goes another HP on EX and i have 30 at the moment.

gardening since 5/21/2016