@pizza1 wrote:@Revelate , YAY!!! 30K?? Dang!! Not too shabby
Awesome approval, congrats to you!!!
Thanks my friend!
One way or the other I'm making a CIP application in the semi-near future too... little amused at my change in credit behavior (since I used to just roll my eyes at SUB chasing) but F it, they're there for now and might not be in another year, might as well take advantage of them hah.
I am amused at a 30K CL that doesn't report anywhere consumer land and apparently didn't even require a HP. That just sounds goofy .
I'm guessing if I applied with an EIN for the same card there would've been a HP for PG purposes.
Congrats on your approval and monster SL !!!!!
@Revelate wrote:Well, decided while the business was still in flux and in that I don't really care that much about inquiries if one lands on Experian anyway, decided to just up and apply under SP since I can meet the SUB easily on money I have to spend anyway, and I'm going to be travelling more regardless and with the SF law changes suddenly some Marriot properties are pencilling out awfully close to Airbnb rates there.
Add that to the additional cash flow I will have in April where I have a 3rd gig for a month, and suddenly optimizing the travel time between job site and hotel suddenly has monetary value and BART / MUNI just aren't great for trying to get work done with spotty connectivity so trying to save even 50 or 100 bucks a night isn't worth it if I lose an hour or two of billable time or sleep.
When I looked at the difference in AF's between either $150 if you use Marriot at all, and $125 for the base card (post 3/28 $95 AF) it was basically a no brainer going for the upscale one.
Long story short, pulled the trigger on the splash page, used my account login (Stated Pre-approved), filled out the financials and hit submit and had to laugh at the limit.
30K CL = LOL.
Ah well, for something that doesn't report to anything relevant my second highest SL ever doesn't do much for me
Random stats:
Personal Current EX FICO 8 = 827.
First Amex was the Zync back in 2012.
First SP business tradeline 2014, but I haven't done much with business credit building besides the CIC and SCP and one Uline tradeline.
Still have Zync, BCE, and SCP on the self-prop side, average monthly spend maybe $25 which is to say not much even if $20 is routine on autopay.
Used personal income from the first gig only, did put in my Bonvoy number, an inquiry doesn't appear to have shown up yet on Experian but that doesn't mean too much this early... also doesn't show up yet in my Amex interface though they did cough up the temporary number when I asked for it.
Anyway I'm still giggling about it
Congratulations on the approval and limit.
Just curious why you opted for the Brilliant card rather than the Business card?
125 vs 150 (after travel credit) is trivial. I applied after 3/28 though the 95 AF wouldn’t have swayed me either.
Only thing I lose is 1% on restaurants and it wasn’t going to get that spend anyway. On the flip side I get a higher status and a better reward night which will make up the 25 anyway.
It was basically cost neutral with some added benefits in my case.
Only thing I lose is 1% on restaurants and it wasn’t going to get that spend anyway. On the flip side I get a higher status and a better reward night which will make up the 25 anyway.
It was basically cost neutral with some added benefits in my case.
@Revelate wrote:
125 vs 150 (after travel credit) is trivial. I applied after 3/28 though the 95 AF wouldn’t have swayed me either.
Only thing I lose is 1% on restaurants and it wasn’t going to get that spend anyway. On the flip side I get a higher status and a better reward night which will make up the 25 anyway.
It was basically cost neutral with some added benefits in my case.
But since it was for business, wouldn't you want a business card?
It is a business card: Chase has the personal one: Bonvoy Boundless I think it is?
@Revelate wrote:
It is a business card: Chase has the personal one: Bonvoy Boundless I think it is?
I don't think so. I think the Brilliant is a personal card.
Well, look at the bright side:
1. You can earn those splendid benefits on personal travel without screwing up your bookkeeping.
2. You can flash your big credit limit in your personal credit arena and get all that extra utilization room.
SOB it is a personal card, oh well haha that was not what I intended.
Sloppy. Guess I do get a 30k tradeline tacked onto my report whoopsie.
Sloppy. Guess I do get a 30k tradeline tacked onto my report whoopsie.
YOU...
CONGRATS on your AmEx Bonvoy Brilliant Approval and the LEGENDARY SL!!!