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Question regarding Apping for new Amex Card...

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Yodah
Regular Contributor

Re: Question regarding Apping for new Amex Card...

My score was 703 EXP, and was approved for 7k!......My CSP hadnt even reported yet...... AMEX at the time was my highest limit at 3k on the BS.. so they denied me a CLI but gave me more than double on the new account....


Message 11 of 21
chalupaman
Super Contributor

Re: Question regarding Apping for new Amex Card...


@Yodah wrote:

My score was 703 EXP, and was approved for 7k!......My CSP hadnt even reported yet...... AMEX at the time was my highest limit at 3k on the BS.. so they denied me a CLI but gave me more than double on the new account....


I got a counteroffer instead of the 3x CLI on my Delta card but a few days later was approved for the ED card anyway and Green card too.

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 12 of 21
CreditCuriosity
Moderator Emeritus

Re: Question regarding Apping for new Amex Card...

Only had the delta barely under a month but put decent spend through it....  How long did they take to counter you on the delta, was it immediate?  Wondering If I got turned down due to being under a month or 61 days still lol... Wonder if under a month with AMEX and applying for a new one already is badSmiley Happy  Considering I tried the Delta and Green same day and got the delta and denied the green during my last approval with them... So many questions, I know

Message 13 of 21
Anonymous
Not applicable

Re: Question regarding Apping for new Amex Card...


@CreditCuriousity wrote:

Only had the delta barely under a month but put decent spend through it....  How long did they take to counter you on the delta, was it immediate?  Wondering If I got turned down due to being under a month or 61 days still lol... Wonder if under a month with AMEX and applying for a new one already is badSmiley Happy  Considering I tried the Delta and Green same day and got the delta and denied the green during my last approval with them... So many questions, I know


I think Amex doesn't love it. I got the PRG, hit the spending req in about two months and then applied for the BCP. They declined me the main reason being the PRG was too recent. I think since they give such good signon bonuses they try to guard against people just getting their cards for that. All the same, since it's just a SP I would go for it anyway, no harm can come of it. You can always 3x CLI!

Message 14 of 21
CreditCuriosity
Moderator Emeritus

Re: Question regarding Apping for new Amex Card...

Ugh choices..  Wondering if I should wait for my 3x27 or 28 day request letter I put in seeing if it states I did it to early or actually rejected it for other reasons..  That EXP pull might be used for better things, on other hand if I get a 3k-4k SL then it is worth it due to 3x31 or 61 whatever it is... Oh the choices I gotta make.  My poor seedling my get town from the roots

Message 15 of 21
CreditCuriosity
Moderator Emeritus

Re: Question regarding Apping for new Amex Card...

Going to wait to see what my CLI denial letter says then decide to apply or not that way it will be 31 days regardless.. Whether I asked to early or other reason.. I have plenty of credit already.. Just gardening is soooo boring.

Message 16 of 21
Anonymous
Not applicable

Re: Question regarding Apping for new Amex Card...


@CreditCuriousity wrote:

Going to wait to see what my CLI denial letter says then decide to apply or not that way it will be 31 days regardless.. Whether I asked to early or other reason.. I have plenty of credit already.. Just gardening is soooo boring.


Boring but it'll be worth it when those high limits and low APRs start rolling in.

Message 17 of 21
CreditCuriosity
Moderator Emeritus

Re: Question regarding Apping for new Amex Card...


@Anonymous wrote:

@CreditCuriousity wrote:

Going to wait to see what my CLI denial letter says then decide to apply or not that way it will be 31 days regardless.. Whether I asked to early or other reason.. I have plenty of credit already.. Just gardening is soooo boring.


Boring but it'll be worth it when those high limits and low APRs start rolling in.


Yeppers...  2-3k Limits don't do it for me anymore.. Although AMEX is a bit different due to 3x and backdating.. Otherwise ya need 5k+..  

Message 18 of 21
chalupaman
Super Contributor

Re: Question regarding Apping for new Amex Card...


@CreditCuriousity wrote:

Only had the delta barely under a month but put decent spend through it....  How long did they take to counter you on the delta, was it immediate?  Wondering If I got turned down due to being under a month or 61 days still lol... Wonder if under a month with AMEX and applying for a new one already is badSmiley Happy  Considering I tried the Delta and Green same day and got the delta and denied the green during my last approval with them... So many questions, I know


Did my CLI on the 61st day way back in August. Requested the 3x but got the counteroffer instantly to double my CL instead. I ran a lot through the card and had a relatively small balance at the time of applying.

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 19 of 21
CreditCuriosity
Moderator Emeritus

Re: Question regarding Apping for new Amex Card...


@chalupaman wrote:

@CreditCuriousity wrote:

Only had the delta barely under a month but put decent spend through it....  How long did they take to counter you on the delta, was it immediate?  Wondering If I got turned down due to being under a month or 61 days still lol... Wonder if under a month with AMEX and applying for a new one already is badSmiley Happy  Considering I tried the Delta and Green same day and got the delta and denied the green during my last approval with them... So many questions, I know


Did my CLI on the 61st day way back in August. Requested the 3x but got the counteroffer instantly to double my CL instead. I ran a lot through the card and had a relatively small balance at the time of applying.


Ya I think 27 or 28 days might of pushed it Smiley Happy...  I put 600 through since I have had it... Not bad, but meeting the CSP and delta at same time spend requirements is well tough lol..  Once my parents AU cards come and I ship it to them it will be poof done, so not sure why I am worried about meeting it with the CSP..  

 

Ya owe nothing on AMEX pay it each time It posts..  Think 31 days might of been a bettter option to do it with, but had to test the waters to see if 27 or 28 days was possible for me...  Really curious what that letter will state.. checked my spending and I can deffinetly at least go to 2k spend on the card of 1k limit.. 3k said nope, but this was a week or so ago..  Curiousity gets the best of me..

Message 20 of 21
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