@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.
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.
WAY TO GO!!! Congrats!!
Gardening until 2023. Current scores (11/2022): Ex: 757 Eq: 757 Tu: 757
CLs: (As of 12/2022)
First Tech World Mastercard: $10k
American Express: $1K
AAdvantage: $2.8K
Wells Fargo Platinum: $4.6K
Discover It (blue): $4.5K
Discover It (red): $4.5K
~6 other cards with limits under $2K
Auth'd user on 1 Capital One card.
All balances stay under 5%.
