AMEX True Earnings... I am SHOCKED

paulachristinej · ‎04-29-2014

Hi all,

So I posted not too long ago about a few small credit cards I obtained through the shopping cart trick. Anyways, I was bored and tried the AMEX pre-approval link and it came up with the TrueEarnings card. I remembered I got it in the mail but I trashed it because of my current situation. (IRS tax lien, unpaid on credit for $29,000 - I am on an installment agreement) My score was in the low 500's a year ago and right now they are around 635 EX (Experian site), 599 TU (Credit Karma) or 624 TU (Walmart) and 607 EQ (My Fico). Things started falling off in the last year. So I applied and was instantly approved. I could not believe my eyes. I called and was told I was approved for a $1000 limit. I know it is not much but I am so thankful for an AMEX approval. I will TAKE CARE of this card!

Thanks to everyone on this board for all the awesome info and advice!

Paula

Edited: In case you are wondering, I only have one auto loan with Wells Fargo Dealer Services since 2012 on my credit, along with a student loan and an old HSBC turned Capital One card. I just received a few small store cards within the last 2 weeks. And that darn tax lien!

NFCU: [Cash Rewards $15k, Navcheck $15k], Citi: [AAdvantage WEM $4k, Costco $1k], Chase: [Hyatt $9k, Disney $4.5k, Freedom $1.5k], Barclaycard: [Rewards $2k, Apple Rewards $2k], Capital One: [QS $850, Platinum $750], Comenity Store Cards: $10k+ total, Citi Store Cards: $2k+ total, SYNCH Store Cards: $3k+ total, WFDS Auto Loan $45k, Ally Financial Auto Loan $65k
----------
Jan 2017: EX 616, EQ 630, TU 633

CreditMagic7 · ‎04-29-2014

@paulachristinej wrote:
Hi all,

So I posted not too long ago about a few small credit cards I obtained through the shopping cart trick. Anyways, I was bored and tried the AMEX pre-approval link and it came up with the TrueEarnings card. I remembered I got it in the mail but I trashed it because of my current situation. (IRS tax lien, unpaid on credit for $29,000 - I am on an installment agreement) My score was in the low 500's a year ago and right now they are around 635 EX (Experian site), 599 TU (Credit Karma) or 624 TU (Walmart) and 607 EQ (My Fico). Things started falling off in the last year. So I applied and was instantly approved. I could not believe my eyes. I called and was told I was approved for a $1000 limit. I know it is not much but I am so thankful for an AMEX approval. I will TAKE CARE of this card!

Thanks to everyone on this board for all the awesome info and advice!
Paula

Very Nice Surprise! Congrats! on the Amex True Earnings new approval!

Welcome In To The Forums.

Anonymous · ‎04-29-2014

@paulachristinej wrote:
Hi all,

So I posted not too long ago about a few small credit cards I obtained through the shopping cart trick. Anyways, I was bored and tried the AMEX pre-approval link and it came up with the TrueEarnings card. I remembered I got it in the mail but I trashed it because of my current situation. (IRS tax lien, unpaid on credit for $29,000 - I am on an installment agreement) My score was in the low 500's a year ago and right now they are around 635 EX (Experian site), 599 TU (Credit Karma) or 624 TU (Walmart) and 607 EQ (My Fico). Things started falling off in the last year. So I applied and was instantly approved. I could not believe my eyes. I called and was told I was approved for a $1000 limit. I know it is not much but I am so thankful for an AMEX approval. I will TAKE CARE of this card!

Thanks to everyone on this board for all the awesome info and advice!
Paula

Congratulations on card the the successful revovery with your credit thus far!

BigBS · ‎04-29-2014

Congrats!

Score: EQ(784) EX(788) TU(792)
INQs: EQ(2) EX(6) TU(2)
Last INQ: 08 Jul 25

Total Credit Limit - $2.0M

babyeyes00 · ‎04-29-2014

Congrats to you

Starting Score: 555
Current Score: 685
Goal Score: 825

Take the myFICO Fitness Challenge

EMax · ‎04-29-2014

Congrats on your approval...that's awesome!

Starting Score: 542 (EQ FICO)
Current Score: 711 (TU FICO) 711 (EQ FICO) 715 (EX FICO)

gdale6 · ‎04-29-2014

Wow, grats on the AMEX approval

Anonymous · ‎04-29-2014

Congrats! I just got approved for this card as well.

hot4u · ‎04-29-2014

Congrats

Now time to read all the Amex Forums...

(Chase)- Freedom, CSP®, United MileagePlus® Explorer, Marriott Rewards® Premier, Penfed cash+ rewards/Promise/Defender.
Amex’s- BCE, Hilton, SPG®, PRG® and Blue®, NFCU Cash Rewards, FHB Destinations World Elite.
- Amex Centurion,(Citi) Executive/Platinum® Advantage

Alaska Airlines

-Wade- · ‎04-29-2014

@paulachristinej wrote:
Hi all,

So I posted not too long ago about a few small credit cards I obtained through the shopping cart trick. Anyways, I was bored and tried the AMEX pre-approval link and it came up with the TrueEarnings card. I remembered I got it in the mail but I trashed it because of my current situation. (IRS tax lien, unpaid on credit for $29,000 - I am on an installment agreement) My score was in the low 500's a year ago and right now they are around 635 EX (Experian site), 599 TU (Credit Karma) or 624 TU (Walmart) and 607 EQ (My Fico). Things started falling off in the last year. So I applied and was instantly approved. I could not believe my eyes. I called and was told I was approved for a $1000 limit. I know it is not much but I am so thankful for an AMEX approval. I will TAKE CARE of this card!

Thanks to everyone on this board for all the awesome info and advice!
Paula

Edited: In case you are wondering, I only have one auto loan with Wells Fargo Dealer Services since 2012 on my credit, along with a student loan and an old HSBC turned Capital One card. I just received a few small store cards within the last 2 weeks. And that darn tax lien!

Congrats on your approval

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******