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American Express.

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!
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/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
Spintech33
Regular Contributor

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?

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 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!

AMEX Platinum- NPSL // AMEX Gold- NPSL // AMEX Delta Platinum- $5,000 // NFCU More Rewards AMEX- $1,000 // Discover IT Chrome- $1,000 // Sunbit Visa- $1,000 // Capital One Venture- $3,550 // AMEX Cash Magnet Card- $1,000 // Venmo Credit Card- $1,200 // Capital One Spark- $500 // NFCU nRewards- $250
Starting Transunion Score: 548
Current Transunion Score: 642
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Message 14 of 40
K-in-Boston
Moderator

Re: American Express.


@Spintech33 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
scskinsfan11
Regular Contributor

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
doinit1
Valued Contributor

Re: American Express.


@Spintech33 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 !!

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700
Message 17 of 40
doinit1
Valued Contributor

Re: American Express.

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

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700
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.
Starting Score: 564
Current Score: 722
Goal Score: 850 by 1/2022


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Gardening until forever.
Message 19 of 40
scskinsfan11
Regular Contributor

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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