I’m in with Amex after prequalified offers showed 3 cards. I chose the BCE. No new account opening incentives. Must have a balance each month when statement closes. Carry a balance or pay in full each month. 5 months of timely payments for higher limit. I’ll take it! $1000 CL. Stoked! Many new accounts and tons of inquiries on Exp. 28 now. 701 Experian Fico 8 score. 15% utilization.
Update! I think it’s important to mention that I opened a savings account with Amex. I’m convinced that that played a part in suddenly becoming prequalified. I’ve had higher Fico scores and couldn’t prequalify with 10 new accounts and over 20 inquiries on Experian. I don’t have any derogatory entries on my credit reports with 100 percent payment history. The savings account I opened isn’t even funded yet. It’s been about a week since I opened the account. AAOA on Experian is 1.2 years. Meanwhile as I celebrate getting in with Amex, there’s 2 Amex denial letters coming in the mail today according to USPS.
https://ibb.co/mgrsEw This shows my “journey” with Amex. 😳
Update! I think it’s important to mention that I opened a savings account with Amex. I’m convinced that that played a part in suddenly becoming prequalified. I’ve had higher Fico scores and couldn’t prequalify with 10 new accounts and over 20 inquiries on Experian. I don’t have any derogatory entries on my credit reports with 100 percent payment history. The savings account I opened isn’t even funded yet. It’s been about a week since I opened the account. AAOA on Experian is 1.2 years. Meanwhile as I celebrate getting in with Amex, there’s 2 Amex denial letters coming in the mail today according to USPS.
https://ibb.co/mgrsEw This shows my “journey” with Amex. 😳
@Anonymous wrote:
I’m in with Amex after prequalified offers showed 3 cards. I chose the BCE. No new account incentives. Carry a balance or pay in full each month. 5 months timely payments for higher limit. I’ll take it! $1000 CL. Stoked! Many new accounts and tons of inquiries on Exp. 28 now. 701 Fico score.
Update! I think it’s important to mention that I opened a savings account with Amex. I’m convinced that that played a part in suddenly becoming prequalified. I’ve had higher Fico scores and couldn’t prequalify with 10 new accounts and over 20 inquiries on Experian. I don’t have any derogatory entries on my credit reports with 100 percent payment history. The savings account I opened isn’t even funded yet. It’s been about a week since I opened the account. AAOA on Experian is 1.2 years. Meanwhile as I celebrate getting in with Amex, there’s 2 Amex denial letters coming in the mail today according to USPS.
Kudos on finally being approved! I've been back in with Amex 6 mos now since my last acct with them back in 2010. I have the BCE and PRG.
Score: F8 EQ 609, EX 597, TU 614 (1/17) Current Score: F8 EQ 701, EX 714, TU 689 (12/18)
Congratulations!
@Anonymous wrote:
I’m in with Amex after prequalified offers showed 3 cards. I chose the BCE. No new account opening incentives. Must have a balance each month when statement closes. Carry a balance or pay in full each month. 5 months of timely payments for higher limit. I’ll take it! $1000 CL. Stoked! Many new accounts and tons of inquiries on Exp. 28 now. 701 Experian Fico 8 score. 15% utilization.
Update! I think it’s important to mention that I opened a savings account with Amex. I’m convinced that that played a part in suddenly becoming prequalified. I’ve had higher Fico scores and couldn’t prequalify with 10 new accounts and over 20 inquiries on Experian. I don’t have any derogatory entries on my credit reports with 100 percent payment history. The savings account I opened isn’t even funded yet. It’s been about a week since I opened the account. AAOA on Experian is 1.2 years. Meanwhile as I celebrate getting in with Amex, there’s 2 Amex denial letters coming in the mail today according to USPS.
https://ibb.co/mgrsEw This shows my “journey” with Amex.
Congrats! Did they pull credit to open savings account?
