@SouthJamaica wrote:I couldn't resist the 3% cash back for online retail purchases, so I applied for the American Express Blue Cash Everyday Card.
I was approved but got the lowest starting limit I've received in 5 or 6 years, $2000.
My EX FICO 8 is 699, I have a goodly number of inquiries, not many new accounts, and heavy utilization.
As usual with Amex on subsequent cards, there was no HP.
So far it doesn't appear they've decreased the limit on my other Amex personal card, the Hilton Honors card.
The size of the starting limit isn't really important, as I'm not one to make big purchases, and my Hilton
card has lots of unused limit I can always move over if needed.
CONGRATTTTTS! I wouldn't worry about the lower SL...is this your second one? My second was low, too- then they gave me a Gold and a plat business which is very high.... It will grow.... I called CSR and they told me the second one is always lower as they watch us for a bit.
12/22 : 
@Suzette2 wrote:
@SouthJamaica wrote:I couldn't resist the 3% cash back for online retail purchases, so I applied for the American Express Blue Cash Everyday Card.
I was approved but got the lowest starting limit I've received in 5 or 6 years, $2000.
My EX FICO 8 is 699, I have a goodly number of inquiries, not many new accounts, and heavy utilization.
As usual with Amex on subsequent cards, there was no HP.
So far it doesn't appear they've decreased the limit on my other Amex personal card, the Hilton Honors card.
The size of the starting limit isn't really important, as I'm not one to make big purchases, and my Hilton
card has lots of unused limit I can always move over if needed.
CONGRATTTTTS! I wouldn't worry about the lower SL...is this your second one? My second was low, too- then they gave me a Gold and a plat business which is very high.... It will grow.... I called CSR and they told me the second one is always lower as they watch us for a bit.
Amex has been watching me for 34 years or so, so I think they get the picture 
It's my 2nd personal card at the moment, but I have 3 business cards with them.
Congrats on your Amex BCE approval! 🎉
@SouthJamaica wrote:
@wasCB14 wrote:
@SouthJamaica wrote:I couldn't resist the 3% cash back for online retail purchases, so I applied for the American Express Blue Cash Everyday Card.
I was approved but got the lowest starting limit I've received in 5 or 6 years, $2000.
My EX FICO 8 is 699, I have a goodly number of inquiries, not many new accounts, and heavy utilization.
As usual with Amex on subsequent cards, there was no HP.
So far it doesn't appear they've decreased the limit on my other Amex personal card, the Hilton Honors card.
The size of the starting limit isn't really important, as I'm not one to make big purchases, and my Hilton
card has lots of unused limit I can always move over if needed.
What exactly is "heavy utilization" for someone with $716,000 (or $614,000) in revolving limits? It sounds like it could startle some lenders.
38% of the 614k
Heck, it is only $233,320.00
@M_Smart007 wrote:
@SouthJamaica wrote:
@wasCB14 wrote:
@SouthJamaica wrote:I couldn't resist the 3% cash back for online retail purchases, so I applied for the American Express Blue Cash Everyday Card.
I was approved but got the lowest starting limit I've received in 5 or 6 years, $2000.
My EX FICO 8 is 699, I have a goodly number of inquiries, not many new accounts, and heavy utilization.
As usual with Amex on subsequent cards, there was no HP.
So far it doesn't appear they've decreased the limit on my other Amex personal card, the Hilton Honors card.
The size of the starting limit isn't really important, as I'm not one to make big purchases, and my Hilton
card has lots of unused limit I can always move over if needed.
What exactly is "heavy utilization" for someone with $716,000 (or $614,000) in revolving limits? It sounds like it could startle some lenders.
38% of the 614k
Heck, it is only $233,320.00
That's what I keep trying to tell these people. Sheesh.
Starting Score: 512