Last Sunday at 1am I applied for the Amex Blue Cash Preferred. No pre approval but already an Amex business card (Amazon) holder since 2018. I got the dreaded "we'll get back to you", so I thought I was denied.
I wondered why because my Transunion is 787 and Experian 780. They did a hard pull on both. (UGH). Hadn't applied for any new cards since April 2020, but did apply for CLI on the Amex business card a year ago and was denied due to low usage. No biggie I didn't need it - I was just curoius. Other cards I already have are Discover, Amex Biz, Syncrony HSN card, Capital One, Chase biz card, Td Bank, and two Citi cards.
Later that afternoon I get an email saying Amex approved me for $6k. I was hoping for $10K since Discover CL is $13 K, but I'm guessing it was due to a mediocre salary of $45K and $15K in assets.
Funny part is I only applied for it because I was PO'd at NFCU because they said I qualify for Flagship checking acct, but kept saying that the Id I uploaded either was not received or then received but not legible. Yes I know that's apples to oranges but sometimes even a little win can make the day brighter.
Good luck to anyone else trying to win the credit game.
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