657 Fico Two AMEX Approvals

Creditdreamer · ‎11-03-2018

I started my Amex journey with the Blue Cash with a $1000 limit (still hasn't bumped) about 2 years ago. I never carried a balance and always paid quickly and before due date. A year ago I applied for the Platinum and was approved. Always pay on time. Internal limit is around 10,000 now according to Amex. I put about 35,000 in spend in the first year. In August I got approved for the Amex Hilton Honors card (the free one) with a $5000 limit. I had a balance on it of 3500 when I applied for the new Amex Gold a month ago and was denied. I paid off the Hilton Honors card that week and then waited 30 days and was approved for the Amex Gold this morning and the Amex Blue for Business. I'm very excited and happy to continue to show Amex how much I appreciate them giving me a chance. My score is still only 657 but my relationship with Amex is solid! Super excited.

Starting: EQ 498 TU 501 EX 485 (9/23/11)
As of 5/12: EQ 552 TU 591 EX 572
Credit Repair Journey Bump in the Road
As of 10/15: EQ 511 TU 588 EX 601
Discover TU Fico- 12/31/18: 694; CK EQ- 1/16/19: 634
Goal: All 3 above 700

Anonymous · ‎11-03-2018

Cool story, Cd. Congrats! on some strong growth with Amex and thank you for providing us with DPs.

Question: Did you not try for the 61day 3x request on the HH card?

blindambition · ‎11-03-2018

Congrats OP! 😊

Anonymous · ‎11-03-2018

Congrats on your latest two Amex approvals! Yep, it is all about the relationship! I hope my low FICO will yield a 2nd Amex card soon!

Medic981 · ‎11-03-2018

Bank of America Cash Rewards Visa Signature : 8/17 : $11.2K APR 18.99%

SYNCB - Amazon Prime Store Card : 9/17 : $5K APR 28.24%

Synchrony Car Care : 9/17 APR 29.99%: $2.5K

Synchrony - Conoco : 9/17 : $1.55K APR 29.24%

American Express Everyday Cash : 7/18 : $20K APR 18.74%

Citi Bank Double Cash World Elite MasterCard : 8/18 : $6.5K APR 3.99%

NFCU Flagship Rewards Signature Visa : 11/18 : $25K APR 9.99%

Chase Sapphire Preferred Visa Signature : 10/19 : $8.2K APR 19.99%

PenFed Gold Visa Signature : 03/20 : $7.5K APR 16.49%

Bank of America Amtrak Guest Rewards Platinum Mastercard : 11/20 : $8K APR 18.99%

Synchrony Bank - CareCredit: 12/20 : $4K APR 26.99%

Synchrony Bank - Lowes: 7/21 : $7K APR 25.99%

Chase Freedom Unlimited Visa Signature : 10/21 : $12.3K APR 19.99%

Chase Southwest Airlines Rapid Rewards Priority Visa Signature

USAA Preferred Cash Rewards Visa Signature Card

Your FICO credit scores are not just numbers, it’s a skill.

AverageJoesCredit · ‎11-03-2018

Aerosmith baby, Aerosmith

Anonymous · ‎11-03-2018

Congrats on your success with Amex!! It's inspiring to read your story. It gives me hope for when I am finally able to appy with them next summer!!

19eighty5 · ‎11-03-2018

Congratulations on your approvals!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:

AMEX Delta SkyMiles Reserve | $2,800 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $4,500 | May 2004

Citi CostCo Anywhere Visa | $4,780 | March 2020

Citi Macy's Star Rewards | $11,100 | September 2021

Comenity Overstock | $7,100 | August 2018

Goldman Sachs Apple Card | $6,000 | March 2020

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $5,000 | March 2020

Audi e-tron - Audi Financial | $85K/72mo/3.24% | March 2022

Creditdreamer · ‎11-05-2018

@Anonymous wrote:
Cool story, Cd. Congrats! on some strong growth with Amex and thank you for providing us with DPs.
Question: Did you not try for the 61day 3x request on the HH card?

I didn't try for the 3x increase. I've tried so many times for an increase on my $1000 BCE (used to be BCP) that I just gave up. And I didn't want the chance of freaking Amex out. $5000 is fine for me for now.

Starting: EQ 498 TU 501 EX 485 (9/23/11)
As of 5/12: EQ 552 TU 591 EX 572
Credit Repair Journey Bump in the Road
As of 10/15: EQ 511 TU 588 EX 601
Discover TU Fico- 12/31/18: 694; CK EQ- 1/16/19: 634
Goal: All 3 above 700

Anonymous · ‎11-05-2018

Congratulations - Seeing your post inspired me to apply and I was denied. Maybe next year!