Hello All!
Since I started my build, I always have had an eye to get an AMEX of my own. I have been an AU on my parents Gold Card for a while now so I hadn't really had a need for a account in my own name. I have recently been informed by the Kroger attendant that my Gold card was declined..... That's weird, turns out my parents found out about the limit feature of the account and now I have a limit. I normally pay my individully from the app and I decided to see if by some odd chance I was pre-qual. To my surprise I was for Gold, Plat, and BCP, I do not know why I would be for the Plat as I am a full time college student making 20k a year at Home Depot and my income doesn't support. I decided to go thru with the BCP application, I have done an one other Amex application of my own and it was declined but this time they were asking to send a text to my phone for verification (HMM.... thats new) 1 minute later I was approved and the account was in my online profile. My SL is a bit sucky (1K) but that is plenty for my as I am trying to cut down on my spending. I will enjoy the $300 sub, and the Grocery, and Gas as it is crushing me in my state right now.
DPs:
SL: 1k
EX Fico 8: 706
UTL 3%
INQ: A bunch
UTL= 5%
Chase Freedom Flex- $700
Navy Federal More Rewards Amex- $8,500
Navy Federal Cash Rewards- $1,000
PenFed Power Cash- $2,500
Macys- $800
Shell Mastercard- $800
Discover- $1,000
USAA Rewards Amex-$6,000
Best Buy-$6,000
AMEX BCP- $1,000
Target Redcard- $300
Navy Federal PLOC- $2,000
Penfed Auto- 4.04%
Discover Student Loan- 27k @ 26K
