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2 AMEX Approvals?!?

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2 AMEX Approvals?!?

I am an official member of the AMEX club!! I was approved for a Delta SkyMiles Gold card at $1k earlier today. I was pre-qualified on the site and have been for a while but was scared to apply. (So glad I did). An itch in my palm persuaded me to apply for another so I chose the Hilton Honors Card. Instantly approved for $1k. Starting limits not high but I can work with it. My scores were just in the mid 500's in December of 2017. Current FICO 8 Scores are EQ 631 TU 637 and EX 654. Current util is 12% and will be lower once CR updates. So now I have my Navy Fed Cash rewards $10k, BofAmericard $1300, 2 Cap1's at $1250/$1200, Discover secured $200 (all I could afford at the time). I have store cards with Military Star, VS, Ulta, Wayfair, Express and Amazon Prime, all with balances under $1k.

 

I'm hoping to get those to grow,  I definitely need to lay low and garden for a while. I'm so happy and grateful for all of the advice I received on these forums. Everything helped. Just wanted to share the news :-)

 

And if anyone has any advice on how to make the best use of these cards to maximize my scores please share, I'm looking into maybe purchasing my first home in 6 - 9mths.

9 REPLIES 9
Senior Contributor

Re: 2 AMEX Approvals?!?

Congrats on double wammy Approval .. time to garden those cards

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 2 of 10
Community Leader
Super Contributor

Re: 2 AMEX Approvals?!?

Big gratsSmiley Happy Use , pay in full, rinse and repeat. Let Amex know you mean businessSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 3 of 10
Established Contributor

Re: 2 AMEX Approvals?!?

Congrats and welcome to the Amex Family
Message 4 of 10
Frequent Contributor

Re: 2 AMEX Approvals?!?

Big, Big 2X Congrats!!

 

A related question-- with AMEX specifically, what would be a better strategy for someone whose EX score is right on the edge of the approval (e.g. 670 or so) but is projected to go to 720 in 3-4 months based on some negatives falling off.

 

In other words, what would be a better strategy likely to lead to a higher eventual limit (e.g. in 1 year):

 

Get the foot in the door so to speak with a minimum limit and try for a CLI at every opportunity?

 

OR

 

Wait 3-4 months and try to start with a higher limit and then still try for a CLI?

 

Thanks!!

 

 

Message 5 of 10
Contributor

Re: 2 AMEX Approvals?!?

Congrats on the Delta Gold and Hilton Honors. Hoping to have both myself soon. Nina, do you mind if I ask what your AAOA was before the Delta and Hilton cards? Thanks.
6/21/2018 Fico 8: EQ 654 TU 673 EX 685
Message 6 of 10
Valued Contributor

Re: 2 AMEX Approvals?!?


@seattlecredit08 wrote:

Big, Big 2X Congrats!!

 

A related question-- with AMEX specifically, what would be a better strategy for someone whose EX score is right on the edge of the approval (e.g. 670 or so) but is projected to go to 720 in 3-4 months based on some negatives falling off.

 

In other words, what would be a better strategy likely to lead to a higher eventual limit (e.g. in 1 year):

 

Get the foot in the door so to speak with a minimum limit and try for a CLI at every opportunity?

 

OR

 

Wait 3-4 months and try to start with a higher limit and then still try for a CLI?

 

Thanks!!

 

 


I would wait for the higher scores. Please post in the application section of the forum to get more help and to not hijack OPs approval. 

 

Congrats OP!

 

edited for spelling while posting at a weird hour



9/16/17 FICO 9 TU-661 EQ-648 EX-607
12/27/17 FICO9 TU-706 EQ-672 EX-690
3/16/18 FICO9 TU-700 EQ-669 EX-716
6/26/18 FICO9 TU-750, EQ-672, EX-789


Message 7 of 10
Member

Re: 2 AMEX Approvals?!?

@Blulinr8 Thanks!! My AAOA is 3.2 years.
Message 8 of 10
Valued Contributor

Re: 2 AMEX Approvals?!?

Congratulations on your two Amex approvals!!
State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (10,000) ~ PenFed Promise (1,000) ~ PenFed OLOC (500) ~ Discover ($1,100) ~ Citi DC (2,200) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (2,700) ~ NFCU CLOC (15,000) ~ Venture (10,300) ~ DCU Visa (5,000) ~ Chase Freedom (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG (1,000) ~ Amex BCE (1,000) ~ Care Credit (15,000)
Current Scores (6/6/18): 697 Transunion, 659 Equifax, 674 Experian
Message 9 of 10
Community Leader
Super Contributor

Re: 2 AMEX Approvals?!?

Congrats and wait. Though being on the cusp at 670 no longer holds true with people getting Amex at sub 645Smiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 10 of 10
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