Being that my credit was in dumper early last year (long story), I never thought I would be approved for AMEX card until my baddies fell off my report. I would always check if I qualify for an offer on the AMEX website, but I never did, I was afraid of the hard pull with the very real possibility of being deined. After learning that AMEX is now approved apps with soft pull data, I decided to try my luck with the AMEX Gold Card, which, to my surprise 😮 I was approved! To accept the card, I had to agree to the official EX hard pull which did dropped my score by a point. I know I said I was going to do some gardening after my SavorOne approval, but building a relationship AMEX was too temping after knowing I was going to be approved.
Data Point: AMEX made a Hard Inquiry on EX for me to accept the card, but I also got a notice from Credit Karma that AMEX also tried to pull my TU, which was locked.
Congrats and Welcome to Amex - they've been waiting on you! woooohoooo! Love Amex CSR is better than most other institutions.
@citymunky wrote:Being that my credit was in dumper early last year (long story), I never thought I would be approved for AMEX card until my baddies fell off my report. I would always check if I qualify for an offer on the AMEX website, but I never did, I was afraid of the hard pull with the very real possibility of being deined. After learning that AMEX is now approved apps with soft pull data, I decided to try my luck with the AMEX Gold Card, which, to my surprise 😮 I was approved! To accept the card, I had to agree to the official EX hard pull which did dropped my score by a point. I know I said I was going to do some gardening after my SavorOne approval, but building a relationship AMEX was too temping after knowing I was going to be approved.
Edit: Just notice, I posted this on the wrong section.
@citymunky Congrats! I remember years ago I had an Amex card that eventually went to S**T. Flash forward about 1.5 years ago and I got an Amex card, granted it was $1K SL but it stated at the top of my welcome letter "Member since 1988" lol! You are back in now, baby.....CELEBRATE!!!!
Starting Score: 461
@FishingGuy wrote:Congratulations on getting in with Amex on your rebuild. Now take it slow..... use the card and pay in full. A few years ago I was excited to be approved for the Amex Gold also...... I often pay my card in full before the bill cuts... now I have several other cards with them and an additional $47,500 in credit. ( and I don't really ask for increases ). If you're good with them, they're good with you.
Being that the Gold card is a charge card, it MUST be paid in full every month. Unless you use Pay Over Time, but that has it's risks and can lead to a hard limit being placed on the Gold card.
Anyway, @citymunky congrats!
