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AMEX Gold Approved - with a surprising score!

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Contributor

Re: AMEX Gold Approved - with a surprising score!


@liqwidzero wrote:

Well everyone, I have every reason to stay in the garden for some time now. I just cold app'd for my goal card and got it. A bit risky, sure, but I'm happy with it. It did pull EX, of course. Approved with a 641. Not amazing, but I'll need its features for an upcoming trip. I'm excited to finally have this relationship with AMEX, and I'm grateful for al of the encouraging and insightful posts from fellow members on this board. Your shared experiences have taught me a lot to get where I am now.


Big congrats! 

Current status: Gardening as of 5/2019 Projected: TBD

Message 11 of 28
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Community Leader
Senior Contributor

Re: AMEX Gold Approved - with a surprising score!

No referral needed. Call or chat them up and get yours converted to rose gold. Piece of cake.


Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | PenFed PCR | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)





TCL $95,400 | Agg. Util under 5%
Message 12 of 28
Regular Contributor

Re: AMEX Gold Approved - with a surprising score!

Congrats! Welcome to the family!


AmEx BCE 20k
BBVA visa 10k
Synchrony 2% MC 9.3k
LLBean Citi MC 6k
PNC points signature visa 15k
CapOne QS1. 1.65k
Citi DC. 4.375k
Discover it. 3.55k
Am Ex Gold
Kohl’s. $3k
Amazon Store. 10k
Overstock. 13.6k
Boscovs. 14k
Best Buy S.C. 2.8k
Home Depot 2k
Total CL. 132,500k
 
PNC personal loan 7500 down to 6200
 
oldest credit 3yr 2 months , newest 1/2020!
* 3% card utilization 





As of 11/1/18




As of 11/1/19
img src="https://img.shields.io/badge/Experian-[759 INQ(8)]-blue.svg">


As of 11/1/20
Message 13 of 28
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Valued Member

Re: AMEX Gold Approved - with a surprising score!

Okay, so I'm Rose Gold now. haha

Gardening Starting 10/17/2019


Starting Scores: Equifax 527 Experian 555 Transunion 546
Current Scores: Equifax 645 (FICO 8, July 2, 19) Experian 654 (FICO 8 - Oct 1, 19) Transunion 635 (FICO 8 - Sept 24, 19)


Total CL: $14,500
Message 14 of 28
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Community Leader
Senior Contributor

Re: AMEX Gold Approved - with a surprising score!

Congrats! So fun to get your goal card, right?

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Best Buy Visa: 3k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 15 of 28
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Frequent Contributor

Re: AMEX Gold Approved - with a surprising score!

Congrats! Smiley Happy

Message 16 of 28
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Senior Contributor

Re: AMEX Gold Approved - with a surprising score!


@liqwidzero wrote:
Currently at 21% utilization. One collection that only shows up on TU and I'm good elsewhere. Also, there is a closed Amazon Prime Chase account.

My total credit limits across all accounts is $5,750 with. No late payments over the last three years and an AAoA of about 4 years.

Is the closed Chase Amazon account a possitive account?

American Express: Platinum Charge, Optima, Business Gold, Delta Business Platinum
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (8.12.20) EX: 835 / EQ: 846 / TU: 834
Message 17 of 28
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Valued Member

Re: AMEX Gold Approved - with a surprising score!

Sadly not. My wife and I went through a tough time through her pregnancy and I had made some payment arrangements. I was keeping it, so I went to make a payment on it and saw it was closed. To note, I had maybe 3 or 4 late payments over a 7 year history. I called in and they simply said they closed it with no ability to reinstate. But I was keeping up and working it down. At least it never went to collections. Paid it off directly with them.

It was my first cc, too. Amazon Chase, just after it went Signature. I didn't know how strict Chase was until that moment.
Gardening Starting 10/17/2019


Starting Scores: Equifax 527 Experian 555 Transunion 546
Current Scores: Equifax 645 (FICO 8, July 2, 19) Experian 654 (FICO 8 - Oct 1, 19) Transunion 635 (FICO 8 - Sept 24, 19)


Total CL: $14,500
Message 18 of 28
Highlighted
Senior Contributor

Re: AMEX Gold Approved - with a surprising score!


@liqwidzero wrote:
Sadly not. My wife and I went through a tough time through her pregnancy and I had made some payment arrangements. I was keeping it, so I went to make a payment on it and saw it was closed. To note, I had maybe 3 or 4 late payments over a 7 year history. I called in and they simply said they closed it with no ability to reinstate. But I was keeping up and working it down. At least it never went to collections. Paid it off directly with them.

It was my first cc, too. Amazon Chase, just after it went Signature. I didn't know how strict Chase was until that moment.

At least you paid them off and you wont be on their BL. How long ago was this?

American Express: Platinum Charge, Optima, Business Gold, Delta Business Platinum
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (8.12.20) EX: 835 / EQ: 846 / TU: 834
Message 19 of 28
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New Contributor

Re: AMEX Gold Approved - with a surprising score!

Congrats on your Rose Gold goal card! 

Message 20 of 28
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