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American Express.

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smw1103
Established Member

Re: American Express.

I got the same offer! $500 with increase after 5 online payments. However I didn't know I had to leave a balance on the statement! I make payments every week because it's such as small line if credit but I will let it close with $50 from now on.

Since I didn't get the bonus my goal was to do good with this card for a year and get Amex PRG. Transfer my ED points over and then close. I will reopen it and see if I qualify for the bonus again later. But I will probably wait for that because I do want to get in with Chase and I need to watch my 5/24. Right now I'm 3/24 but one account will fall off this sunmer.

I think my Fico was 671 when I applied but I'm paying off a card that is 90% utilized. Overall utilization is 40%. Im not applying for anything else until I'm at 700+ 720.

My goal is to get Chase southwest, CSP, Freedom and Amex PRG. I have prequels for all the Chase cards on my list and I have 60k miles offer from southwest. But I'm not applying with my utilization that high. I really want some good starting limits!
/s274.photobucket.com/user/smwrigh3/media/wayfair.jpg.html" target="_blank"> photo wayfair.jpg" title="WayFair $1,000">

/s274.photobucket.com/user/smwrigh3/media/Quicksilver.jpg.html" target="_blank"> photo Quicksilver.jpg" title="Quicksilver $4,500">

/s274.photobucket.com/user/smwrigh3/media/JCPenney.png.html" target="_blank"> photo JCPenney.png" title="JCPenney $3,500">

/s274.photobucket.com/user/smwrigh3/media/walmart.jpg.html" target="_blank"> photo walmart.jpg" title="Walmart $3,500">

/s274.photobucket.com/user/smwrigh3/media/Merrick.jpg.html" target="_blank"> photo Merrick.jpg" title="Merrick $2,000">

/s274.photobucket.com/user/smwrigh3/media/fingerhut.jpg.html" target="_blank"> photo fingerhut.jpg" title="Fingerhut $1,800">

/s274.photobucket.com/user/smwrigh3/media/Amazon.jpg.html" target="_blank"> photo Amazon.jpg" title="Amazon store card $3,500">

/s274.photobucket.com/user/smwrigh3/media/Barclay.jpg.html" target="_blank"> photo Barclay.jpg" title="Barclay Rewards $1,300">

/s274.photobucket.com/user/smwrigh3/media/Credit%20One.jpg.html" target="_blank"> photo Credit One.jpg" title="Credit One $1,900">
Message 11 of 40
Anonymous
Not applicable

Re: American Express.


@K-in-Boston wrote:
Congrats! You should see your credit line as soon as you log in.

Approved for Hilton Honors..

Would I be able to apply for Delta with the same pull within 90 days?

Message 12 of 40
Aduke1122
Senior Contributor

Re: American Express.

Congrats op on getting your foot in the door , it will grow in time and @Spintech which one did you go for ?
Message 13 of 40
kidink1911
Established Contributor

Re: American Express.

Congratulations on your AMEX approval!

PERSONAL: AMEX Platinum- NPSL / AMEX Gold- NPSL / Macy's AMEX Card- $4,500 / SavorOne- $500 / PenFed Gold Visa- $5,000 / Venmo Visa - $20,000 / PayPal MC- $20,000 / PayPal Credit- $1,700 / NFCU Visa Signature cashRewards- $5,800 / AMEX Delta Platinum- $4,200 / NFCU More Rewards AMEX- $3,400 / NFCU Cash Rewards- $4,000 / Credit One Platinum Visa Rewards- $1,000 / Discover IT Chrome- $1,000 / Capital One Venture- $3,550 / AMEX Cash Magnet Card- $1,000 / Belk MC Card- $800 / Citi Shell Mastercard- $400 / Credit One AMEX- $800 / Capital One Spark- $700 / Capital One Platinum- $300 / Citibank Shell- $400 / Oportun Visa- $500 / Fifth Third Bank MC- $300
BUSINESS: American Express Business Platinum- NPSL / AMEX Hilton Honors Business Card- $3,000 / AMEX Delta Platinum Business Card- $3,000 / Marriott Bonvoy Business Card- $3,000 / American Express Business Gold- NPSL / American Express Business Green- NPSL / Sam's Club Business Mastercard- $20,000 / Floor and Decor Pro Premier Business- $20,000 / Phillips 66-Conoco-76 Business Gas Card- $5,000 / Walmart Community Credit Line- $5,000 / Fuelman Mastercard- $3,000 / Amazon Synchrony Business Credit Line- $5,000 / Lowe's Business Credit- $5,000 / Office Depot Commercial Credit- $2,500 / Tractor Supply Company Business- $1,500 / Citi Exxon/Mobil Business Gas Card- $3,000 / Speedway Business Mastercard- $4,500
Message 14 of 40
K-in-Boston
Credit Mentor

Re: American Express.


@Anonymous wrote:

@K-in-Boston wrote:
Congrats! You should see your credit line as soon as you log in.

Approved for Hilton Honors..

Would I be able to apply for Delta with the same pull within 90 days?


That's great news.  AmEx has not been doing HPs on existing cardholders lately for additional cards.  I am not sure exactly when you would be an "existing cardholder" vs a new applicant, though.  If you're concerned with another pull, I would wait until they are showing your monthly Experian score on your account so you know that they're soft pulling you.  No guarantees that you would not get a HP, but this seems to be the case for those applying for additional personal cards.

Message 15 of 40
Anonymous
Not applicable

Re: American Express.


@iowe wrote:
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. ☹️

That actually isn't true.  I just closed my USAA Secured card after just a year.  I was starting to get better cards and didn't want my money tied up in a secured card that doesn't graduate.  Basically I forfeited the $5 in interest that it accrued and got my full deposit back

Message 16 of 40
Anonymous
Not applicable

Re: American Express.


@Anonymous wrote:

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.


I would say 670 or higher...at least that's my understanding...good luck !!

Message 17 of 40
Anonymous
Not applicable

Re: American Express.

Congrats on your approval...looks like 670 is not needed these days...

Message 18 of 40
iowe
Regular Contributor

Re: American Express.

Nice. I misunderstood someone else that posted about their secured usaa. Closing mine as soon as I can. Makes no sense to leave $250 cash in their hands for a card that is sock drawered and useless now.








2024 Goal: To finally be debt free
Message 19 of 40
Anonymous
Not applicable

Re: American Express.

I was able to get approved for $1K on both BCE and Delta Skymiles Gold on the same day with the same pull with a 651 EX and $118k income. Obviously it'll be different for everyone
Message 20 of 40
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