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Re: I really need some help here
When I was a kid in the 70s, you could win an argument about who's dad was better just by pointing out your dad had an AmEx card.🤣
They were that hard to get!
Current FICO8:








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Re: I really need some help here
@MikeyMagic wrote:
@SouthJamaica wrote:There is indeed a limit. They just don't tell you what it is. And they keep changing it up, especially in the first year.
If they want you to make a payment before the cycle is up, they will tell you.
Interesting. Thanks. Yeah I'm not gonna get it right now, Aim High and others talked me out of it. But I'm laughing to myself, what kind of spending limit would they give me because I have 4 starter cards with a max of a $500 cl. I mean, it would be crazy for Amex to approve me for this right now.
@Aim_High will never steer you wrong He knows all about these cards that the 1% use































Total revolving limits 569520 (505320 reporting) FICO 8: EQ 689 TU 684 EX 685
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Re: I really need some help here
Back when I was graduating with my BA my brother thought I should have an AmEx card so he applied for me and I was approved. It was prestigious at the time.
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Re: I really need some help here
imagine if they gave you a secret 500 CL and they're making a 100% return with the annual fee.
almost all my friends have amex platinums. its really lost its luster. people have posted in the past about getting these cards with 600 FICOs. when I used to read whogavemecredit also, it seemed approvals were easier to get. its a low risk card for them because of it being a charge card and a giant annual fee.
There is a plat card with colors etched into that's pretty but still not worth it lol and using their airline credit is a PITA.
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Re: I really need some help here
@youngandcreditwrthy wrote:
imagine if they gave you a secret 500 CL and they're making a 100% return with the annual fee.
almost all my friends have amex platinums. its really lost its luster. people have posted in the past about getting these cards with 600 FICOs. when I used to read whogavemecredit also, it seemed approvals were easier to get. its a low risk card for them because of it being a charge card and a giant annual fee.
There is a plat card with colors etched into that's pretty but still not worth it lol and using their airline credit is a PITA.
When I got my Platinum card back in 1985 I thought I was pretty hot stuff. Now, yeah, I seriously doubt I'd ever go for one again, even if AMEX does let me back in.
Chapter 13:
- Burned: AMEX, Chase, Citi, Wells Fargo, and South County Bank (now Bank of Southern California)
- Filed: 26-Feb-2015
- MoC: 01-Mar-2015
- 1st Payment (posted): 23-Mar-2015
- Last Payment (posted): 07-Feb-2020
- Discharged: 04-Mar-2020
- Closed: 23-Jun-2020
I categorically refuse to do AZEO!





In the proverbial sock drawer:



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Re: I really need some help here
I'm a HUGE fan of Amex...and am always being offered the Platinum upgrade...but $695 for one card is just too steep for me.
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 25 K I American Express Cash Magnet 5K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | Wells Fargo BILT World Elite MC 30K I BMO Harris Cash Back MasterCard 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 32K I NFCU Amex 28K | NFCU CashRewards Visa 20K I America First CU Cash Visa 20K I Citi Best Buy Visa 10K I Macy’s Amex 20K I Bread Financial American Express 13K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 8.3K I JCPenney Mastercard 6K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 9K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I
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Re: I really need some help here
@Jeffster1 wrote:I'm a HUGE fan of Amex...and am always being offered the Platinum upgrade...but $695 for one card is just too steep for me.
I'm sure it's a great card for some people, I just don't get why the hell they would want me right now as I have no FICO score and my max credit limit on a credit card I have is $500 lol.
They probably want a sucker like me to donate another $695, and they'd probably be demanding I pay the card off in full after every purchase too lol.
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Re: I really need some help here
@youngandcreditwrthy wrote:
imagine if they gave you a secret 500 CL and they're making a 100% return with the annual fee.
almost all my friends have amex platinums. its really lost its luster. people have posted in the past about getting these cards with 600 FICOs. when I used to read whogavemecredit also, it seemed approvals were easier to get. its a low risk card for them because of it being a charge card and a giant annual fee.
There is a plat card with colors etched into that's pretty but still not worth it lol and using their airline credit is a PITA.
I think you're right, they'd take my $695 and give me a small dinky $500 CL.
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Re: I really need some help here
@MikeyMagic wrote:I think you're right, they'd take my $695 and give me a small dinky $500 CL.
Typically they don't even tell you what your spending limit on the charge cards actually is, you have to use it to find out...
Buy a pack of gum, immediately get a text from AmEx warning that you are approaching your spending limit, and to please make a payment to avoid having transactions declined.🤣
Current FICO8:








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Re: I really need some help here
@MikeyMagic Look at it this way. There is something Amex likes about you. You're making progress and that's a great takeaway.
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 25 K I American Express Cash Magnet 5K I Bank of America Customized Cash Rewards Visa 20K | Kinecta MyPerks Rewards MC 35K | Wells Fargo BILT World Elite MC 30K I BMO Harris Cash Back MasterCard 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 32K I NFCU Amex 28K | NFCU CashRewards Visa 20K I America First CU Cash Visa 20K I Citi Best Buy Visa 10K I Macy’s Amex 20K I Bread Financial American Express 13K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 8.3K I JCPenney Mastercard 6K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 9K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I