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Amex EveryDay Approval with AU history only! $15k!

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Regular Contributor

Amex EveryDay Approval with AU history only! $15k!

Continuing from my post here, I got a lot of great feedback and decided to try something I wasn't too sure was ever tried before.

 

My wife has no credit history of her own what so ever. I added her as an authorized user on four of my cards. When a report was finally generated for her, Discover's free scorecard gave her a FICO score of 765, albeit with 0 accounts and 0 years of history lol. She applied for the Amex EveryDay card. Dear Almighty Lord, look what happened.

 

 

"You did it. You crazy son of a gun, you did it."

 

 

 

 

 

Authorized User accounts were as such (also listed on Credit Karma):

 

Bank of America: 2 years, 3 months old. 0/20.4k utilization.

Amex Gold: 1 year, 4 months old. $414/NPSL

Amex Gold: 1 year, 4 months old (Duplicate. I mistakenly added her twice as an AU.) $414/NPSL

Chase Sapphire Reserve: 1 year, 4 months old. 0/10k utilization.

Chase Freedom Unlimited: 10 months old. $94/4900 or 2% utilization.

 

In essence, she had 2% utilization on one revolving card, and 2% utilization overall.

 

Her AU AAoA would be 1 year and 5 months if my math is correct (85 months divided by 5 accounts = 17 months).

 


20 REPLIES 20
Valued Contributor

Re: Amex EveryDay Approval with AU history only! $15k!

Good gravy that is outstanding!  Congratulations for getting her set up for success!




UNpopular opinions have served me well and will offer that which has worked for me.
Message 2 of 21
Community Leader
Super Contributor

Re: Amex EveryDay Approval with AU history only! $15k!

Congrats to your DW on her awesome approval!

Message 3 of 21
Valued Contributor

Re: Amex EveryDay Approval with AU history only! $15k!

Congrats on her first card! Pretty sweet SL too! Smiley Very Happy

Currently: Gardening since 12/29/2019




Message 4 of 21
Valued Contributor

Re: Amex EveryDay Approval with AU history only! $15k!

Wonderful! That's an impressive approval with an even more impressive SL! Congrats to your wife!

"Hover mouse over cards to see CL and APR info"


Message 5 of 21
Super Contributor

Re: Amex EveryDay Approval with AU history only! $15k!

That’s awesome, congratulations!



01/2019:
1/2020:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 6 of 21
Frequent Contributor

Re: Amex EveryDay Approval with AU history only! $15k!

Congrats, don't forget about 3X CLI!

Message 7 of 21
Community Leader
Mega Contributor

Re: Amex EveryDay Approval with AU history only! $15k!

Wow, giving 15k to a person with no history 🤯 Amex indeedSmiley Wink. CongratsSmiley Happy
#ChaseCreditCardHobby Enthusiast
2022
!
Message 8 of 21
Regular Contributor

Re: Amex EveryDay Approval with AU history only! $15k!

Excellent! I love reading stories like this how someone from this forum uses knowledge gained here to help someone else!

Message 9 of 21
Established Contributor

Re: Amex EveryDay Approval with AU history only! $15k!

Congratulations to DW! I hate to say it, but I told you so! Next year she can add Chase to her arsenal of cards too.
Fico Scores as of March 2019: TU:765 EQ: 775 EX: 755 Fico Goals: TU: 770+ by 12-2019 EQ: 770+ by 12-2019 (achieved) EX: 780+ by 12-2019
Message 10 of 21
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