Just got INSTANT APPROVED for a GOLD CARD with a 664 Experian.
Income reported just under 150K
Back in the late 90's I had 4 or 5 of different Amex cards, including a Gold Card, but I hit bad spot finanically and end up out of the Amex family. Now, almost 20 years later, I am finally out of the dog house.
I wanted the Platium Card, but I figured I'd better not cut down the odds of approval by going for the top card yet. I can be more than happy with the Gold Card for now. Maybe in 6 months or so I'll try and upgrade to Platinum. I honestly wasn't too confident that I'd get approved for GOLD, but reading this forum for the past month and seeing some people with similar scores to mine helped push me to apply. Glad that I did. Makes me wonder now if they would have approved the Platinum Card... LOL
Anyway, I am just waiting for my AMEX GOLD CARD to arrive in the mail, but they gave me the card number and I have set up an online account already. Cool that I can charge on the card immediately if I want even though I don't have it yet. I want an AMEX revolver card too though, so I thinking about appying for the AMEX CASH MAGNET, or the AMEX EVERYDAY Card... The Hard Pull for the GOLD CARD only lowered my Experian score by 1 point, and since I am now in the AMEX family again it will only be a Soft Pull.
Just kind of scared to try because just having gotten approved for one card, I don't want to do anything to trigger one of those extra reviews they do. Scared of looking like I am getting too greedy too fast by appying for another card so soon, and then I end up with no cards at all .. lol
I didn't even touch the "Spending Power" button on the my account page on the website yet, because some people say if you play with that tool too much, testing high spend limts on it too much, it could trigger a finanical review because Amex might get nervous you intend be a wild spender....etc
I also decided to push my luck a little further on the same day by applying for the BANK OF AMERICA CASH REWARDS Card..
INSTANT APPROVAL for a 5500 CL !!!!
They had sent me an offer for this card, but frankly I wasn't sure it would get approved since I had defaulted on a Bank of America account years ago and was told years ago they wouldn't open any further accounts for me since there was still a balance owed. But yet during all these years I still kept a checking account with them, and so I just kept repairing my relationship with them by trying to maintain a clean checking account over the years. So, out of their dog house now too.
I then, same day, decided to push my run of luck one step further by next appying for a CAPITAL ONE VENTURE Card. However, I got one of those messages stating they needed more time to consider the application and would let me know in 7-10 days... ( Grrrr !!! )... Funny thing is that is the one I thought would be a slam dunk approval. I have two different CAP ONE PLATINUM card accounts with them already, and haven't missed a payment ever on those two cards - 24 months old. One has a 3500K CL, and other has a 500 CL. 1% Utilization overall.. Keeping my fingers crossed they will email or sent a letter saying they apporved it, but I doubt it.
GoingGold
*UPDATED AS OF 08/06/2020*
EQ: 707 ___ TU: 691 ___ EX: 692
Utlz:40% ___ Old Lates/COs: 1 ___ Collections: 0 ___ Public Records: 0 ___ Last Late: 2.1 yrs ___ AAoA: 7.1 yrs ___ AAoOA: 23.10 yrs
AMEX PLATINUM ___ AMEX GOLD = $3,000 (P.O.T) ___ AMEX BONVOY BRILLIANT = $5,000 ___ AMEX CASH MAGNET = $1,000
CAP ONE VENTURE = $30,000 ___ CAP ONE QUICKSILVER = $3,500 ___ CAP ONE PLATINUM SECURED = $500
BANK OF AMERICA CASH REWARDS = $15,000 ___ BANK OF AMERICA PREMIUM REWARDS = $15,000
DISCOVER IT MILES = $13,900 ___ FIDELITY INVESTMENTS CASH REWARDS = $12,400
**TOTAL OVERALL CREDIT LIMIT = $96,300
Great card to have
