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AMEX GOLD approval and Discover CLI!!!

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Established Member

AMEX GOLD approval and Discover CLI!!!

I’m ecstatic. I’ve always wanted to have a Amex Gold card - since I was a little kid! Flashy, and the heaviness attracted me. Now, the awesome rewards & customer service attract me.

I’m 18 - I honestly believed I would have to wait until at least 21 to get the gold card. I recently was approved for the cashRewards NFCU card - was not planning on getting another card....until I got a preapproved Gold offer.

Applied and was instantly approved.

Discover got jealous, within 3 hours I was sent an email saying my “excellent credit management,” resulted in more than a double CLI from 500 to 1100... 680 being available as cash... which is unusual as they don’t like to do cash advance from what I see. I really don’t even see a need for it, but I won’t complain. unfortunately that card is still being SD’d. AMEX and NFCU offer way better customer service as well as perks.

Thank you Discover for being my first card. I should mention I’ve only had a card since September.

Now really, I mean it. To the garden I go!!!
Fico8 - TU 721, EQ 695, EX 704
Cards -
AMEX Gold - Spend Limit (AFAIK) $5k - Pay Over time $3000
Citi BBUY - $750
Discover It Student - $500 (hopeful CLI soon)
Navy Federal Credit Union cashRewards $1600
Message 1 of 16
15 REPLIES 15
Regular Contributor

Re: AMEX GOLD approval and Discover CLI!!!

Congrats! I know what you feel about always wanting the Gold. But I also thank Discover for helping me get back on track with credit. Don't be Afraid to ask for another CLI on that Discover and double dip 😁




Message 2 of 16
Established Member

Re: AMEX GOLD approval and Discover CLI!!!

Thank you! I did try to double dip just now... denied haha. I really couldn’t care less. My goal is to throw Netflix on there and use more premier cards to maximize rewards & cashback. I’m a full time student and near full time employee - free money is free money!!
Fico8 - TU 721, EQ 695, EX 704
Cards -
AMEX Gold - Spend Limit (AFAIK) $5k - Pay Over time $3000
Citi BBUY - $750
Discover It Student - $500 (hopeful CLI soon)
Navy Federal Credit Union cashRewards $1600
Message 3 of 16
Regular Contributor

Re: AMEX GOLD approval and Discover CLI!!!

Congrats!





Message 4 of 16
Established Contributor

Re: AMEX GOLD approval and Discover CLI!!!

Congrats on the card and welcome to the Amex family.





~~ Former Royal Navy Submariner - Proud to have served ~~
Message 5 of 16
Community Leader
Super Contributor

Re: AMEX GOLD approval and Discover CLI!!!

Congrats on your approvals

Message 6 of 16
Valued Contributor

Re: AMEX GOLD approval and Discover CLI!!!

Way to go!  You're off to a great start at the tender age of 18.  You are obviously a smart person to get things rolling, just always, always, always protect your credit....don't let others lead you astray ie. co-signing, loaning, spending your credit on others with the promise of "pay back".  Your credit will be around a whole lot longer than others' trival debts and their troubles can become your troubles that will continue to haunt you after they have come and gone.  

"LEAVE A MESSAGE AT THE BEEP"
Message 7 of 16
Valued Contributor

Re: AMEX GOLD approval and Discover CLI!!!

Congrats on the approval! Definitely a good idea to garden for some time. Your profile is young so adding in garden will help a lot.


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 8 of 16
Senior Contributor

Re: AMEX GOLD approval and Discover CLI!!!

Congrats on your approval and rare auto CLI from Disco !!!!

 

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 9 of 16
Senior Contributor

Re: AMEX GOLD approval and Discover CLI!!!

Congratulations on your approval!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 10 of 16
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