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AMEX Hilton Surpass approval - $25K

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Aim_High
Super Contributor

Re: AMEX Hilton Surpass approval - $25K


@Anonymous wrote:

It happened again. I'm so sorry @Aim_High. Congratulations on your 2 new cards though.


Thanks @Anonymous!  Yes, "lightning did strike twice" as they say with these two applications but they served a purpose in getting some great SUBs and exploring whether I had reached maximum lending ceilings.  No worries!


Business Cards


Length of Credit > 40 years; Total Credit Limits >$936K
Top Lender TCL - Chase 156.4 - BofA 99.9 - CITI 96.5 - AMEX 95.0 - NFCU 80.0 - SYCH - 65.0
AoOA > 31 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 21 of 22
Aim_High
Super Contributor

Re: AMEX Hilton Surpass approval - $25K


@Biergeld wrote:
  I too am accustomed to getting the lowest APRs and got 22.49% APR on the Surpass. I was 0/6, 0/12, 3/24 when applying with FICO EX 08 819. My inquiries were TU 2, EQ 0, EX 7. Included in my welcome packet was an AA letter confirming my 819 EX score. I also got a request for a 4506-C after approval but before my card arrived. I assumed the 4506-C request had something to do with the APR so it's interesting to see someone with very similar stats get the same APR. 

Thanks @Biergeld, and the comparison is indeed very interesting.  I had no requests for 4506-C but otherwise the situations appears quite similar.  Of course, APRs on travel cards like these from major banks are rarely competitive in the grand scheme of things, so between that and pay-in-full, it's mostly a moot point.  But I do like getting the best APRs for which I can qualify, and for "just-in-case" situations where I might pay some interest temporarily if something came up. 


Business Cards


Length of Credit > 40 years; Total Credit Limits >$936K
Top Lender TCL - Chase 156.4 - BofA 99.9 - CITI 96.5 - AMEX 95.0 - NFCU 80.0 - SYCH - 65.0
AoOA > 31 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.
Message 22 of 22
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