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American Express.

Scott2696
Established Contributor

American Express.

OMG,  I've tried so many times over and over again for an American Express and finally got it tonight. Starting line 500.00 and now they are telling me how to earn a higher credit line in 5 payments.  My advise to new credit seekers is don't have to many store cards.  Only go for Bank cards more value and points.  I closed out 20 store cards before AX would look at it. They said I had to many open accounts at first.  So happy. Thanks AX.  

 

EQ 615, TU 635, EU 639.   

 

Bring it on home.  Got my eyes on Discover now.  Soon very soon.  

EQ 669, TU 679, EX 679. Navy Signature Go Rewards 15K, Navy Signature Cash Rewards 16K, Navy AX Rewards 14.4K, Navy CLOC 15K, Navy Mortgage 120K, Navy ATV Loan 14,990K, FLCU Auto 48.7K, FLCU Visa 7.5K, FLCU Visa 1K, AFCU 5K, AFCU Line of Credit 4K, John Deere 15K, Suncoast TB Rays Cash Rewards 6K, Cap1 QS 5K, USAA Rate Advantage 5K, USAA AX Card 9K, State Farm Rewards 2.5K, Paypal Credit 2.8K, Cabela's 2K, Chevron & Texaco Visa 6K, BMO Harris Bank 1.5K, BOA Bass Pro 1.5K, 5/3 Stand up to cancer 4.5K, 5/3 Truly Simple 4K, 5/3 Trio 4K, Amazon Store Card 5K, Lowes 17K, TBFCU 5K, BBT Spectrum 4.5K, BBT Bright 3.5K, BBT Bright 4.5K, Banco Do Brasil Americas 4.2K, Kays Jewerly 2K, AX Green Charge, AX Delta Gold 1K, Morgan Auto Group 1.6K, Kohls 700.
Message 1 of 40
39 REPLIES 39
AllCredit
Frequent Contributor

Re: American Express.

Congrats on the approval!  I have been shutting down by store cards  currently holding on to a few just for utilization...but will close the remainder out as CLIs occur...

Message 2 of 40
AverageJoesCredit
Community Leader
Mega Contributor

Re: American Express.

Big congrats! There seems to be a growing trend with Amex that 630 + can get you in recently. If i were a rebuilder again id definitely go for Amex before a store card, as the potential to grow is massiveSmiley Happy
NN7! Fico math 1 HP = 20 CG LIEr Club Plankowner
Message 3 of 40
Djgrolyos
Valued Contributor

Re: American Express.

I thought Amex smallest line was $1000?!? Guess not. Congrats! I started at $1k myself-Amex will grow if you do good thing and treat them good.
If you don't know about it read the 3X CLI thread. Should be able to get a $1500 line on day 61. Sometimes the smaller lines don't get it tho.
Either way congrats again.
FICO 09 TU= 787 (Aug) EQ= 774 (Aug) EX= 801 (Aug) Favorites: Citi DC, AMEX Gold and U.S. Bank Cash+
Message 4 of 40
Spintech33
Regular Contributor

Re: American Express.

What is a good EX score to apply for the Hilton Honors AMEX, SPG AMEX or Delta Airlines AMEX? 
Right now EX score is 658.

NORDSTROM- 6K, NEIMAN MARCUS 20K, PENFED PLAT 5K, PENFED AMEX 5K, CAP ONE QS 4K, CAP ONE PLAT 1.1K, CARECREDIT 6K.

IN GARDEN SINCE 9/1/2016
Message 5 of 40
iowe
Regular Contributor

Re: American Express.

I agree. I wish I could've gotten that card instead of the usaa secured. When I close the card I still have to wait for a CD to mature to get my deposit back. ☹️
Starting Score: 564
Current Score: 722
Goal Score: 850 by 1/2022


Take the MyFico Challenge 2021

Gardening until forever.
Message 6 of 40
K-in-Boston
Moderator

Re: American Express.

Spintech33 I want to say you have a good shot. I would check the credit pulls database to see how others in your range fared. Scott2696, congrats on getting your foot in the door!
Message 7 of 40
ls2016
Frequent Contributor

Re: American Express.

Congrats OP. I too started with the Amex ED card in Feb. with a 638 FICO 8 EX score, SL $500, $50,000 income, 9 baddies remaining on report, util 1%, total credit limits: $41,500. I'm sure you're aware, but you have to let the statement close with a balance to qualify for the increase by the 5th statement. I wasn't able to get any sign up bonus either. So, that's the downfall with starting at $500, but since I'm in rebuild mode, it's not a big deal to me. Also, for some reason, I couldn't make a payment within the first 30 days, but immediately after the first statement cut, I was able to. Not that I know for sure, but I don't think the 3x CLI in 61 days will work for us, I'll test it out on April 20th to verify. Once again, congrats on the approval! We have our toe in the door! :-)
Current FICO 8s: Ex 726, Tu 746, Eq 716
Current FICO 9s: Ex 748, Tu ?? Eq 725
Total TLs: $160,000
32 (30-60 day) mortgage lates remain
Message 8 of 40
Spintech33
Regular Contributor

Re: American Express.


@K-in-Boston wrote:
Spintech33 I want to say you have a good shot. I would check the credit pulls database to see how others in your range fared. Scott2696, congrats on getting your foot in the door!

Looks like I'm in the door. I received the congratulations and to set up my user name and information..

@I may need to call in for my credit line. Honestly, I won't see a 5K CLI.. Right now my UTI is in the 40% range.. No baddies since 2013. Income @ 60K.

I've been trying to improve and get back to the 30% and below on my UTI. I'm really praying that I can do this before the end of the year or beginning of 2018.

NORDSTROM- 6K, NEIMAN MARCUS 20K, PENFED PLAT 5K, PENFED AMEX 5K, CAP ONE QS 4K, CAP ONE PLAT 1.1K, CARECREDIT 6K.

IN GARDEN SINCE 9/1/2016
Message 9 of 40
K-in-Boston
Moderator

Re: American Express.

Congrats! You should see your credit line as soon as you log in.
Message 10 of 40
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