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Amex Hilton Honors approved!

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Frequent Contributor

Amex Hilton Honors approved!

A bit of a story to begin:  I was showing prequalifed offers from Amex back when my scores were sub 550 and I applied....instant decline.  Once my EX reached 670+, I checked prequal and had no offers.  I cold apped the BCE last month and was approved with EX 673.  I knew my EX had gone up to 681 this week, so thought I might have a good chance of an approval for a second Amex card.  I logged into my account and clicked the Apply button on a few different cards.  I was getting "___, you are pre-approved!" for the revolvers and "expanding your membership is easy" messages for the charge cards.  Some of you may understand why that would be, but is a bit confusing to me.  Before I decided to apply this morning for the Hilton Honors card, I went to Amex incognito and check to see if I was preapproved for anything.  It actually came back and said they had no offers for me.  So if I am logged in, I am showing preapprovals and when I am not logged in, I do not get any offers.

 

My credit rebuild began last spring.  Signed up for Discover scorecard and was shown an EX score of 524.  Less than a year later, here I am getting approved for my second Amex card.  This forum has been a great place to learn about credit and has been a big help to me during my rebuild.  A few data points for those interested:

 

Prequal:  Yes

EX Score:  680 (Amex provided score, MyFico says 681)

HP or SP:  Unsure, will update 

SL:  $1000

SUB:  50,000 points after $1000 spend in the first 3 months

 

 


Feb - May 2017

Current Fico 8
Message 1 of 8
7 REPLIES 7
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Regular Contributor

Re: Amex Hilton Honors approved!

Congrats with the approval!
Thanks for the DP too!

.:: Chase Amazon Prime Signature Visa | $12,300::.
.:: Wells Fargo Platinum | $3,000::.
.:: Target | $400::.
.::02.15.18::. EQ-758 | TU-764 | EX-761
Goal: 800+ EX:TU:EQ
Message 2 of 8
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Valued Contributor

Re: Amex Hilton Honors approved!

Congratulations on your Amex approval!! Hopefully that SL will grow for you.

Also, congrats on what looks like a successful rebuilding; keep working that score up

State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (10,000) ~ PenFed Promise (1,000) ~ PenFed OLOC (500) ~ Discover ($1,100) ~ Citi DC (2,200) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (2,700) ~ NFCU CLOC (15,000) ~ Venture (10,300) ~ DCU Visa (5,000) ~ Chase Freedom (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG (1,000) ~ Amex BCE (1,000) ~ Care Credit (15,000)
Current Scores (6/6/18): 697 Transunion, 659 Equifax, 674 Experian
Message 3 of 8
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Frequent Contributor

Re: Amex Hilton Honors approved!

Congrats!! I'm shooting for Citi next April!



Current Scores 10/11/2019
TU 724 Inq 20, EX 699 Inq 15, EQ 743 Inq 8 -- UTL 4% FICO 9 757
[Previous] 10/05/2018
EQ F8 [696] 5 Inqs, EX F8 [666] 14 Inqs,
TU Fico 8 [702] 18 Inqs.
Gardening since 11/08/2018.
EQ-Fico 8 [699] EX-Fico 8 [639] TU-Fico 8[652]
UTI 14% NFCU Flagship $6K, Care Credit $20K, TFCU Platinum Visa $20K, DCU Rewards Visa 10K, USAA Platinum Visa 6K, Costco Visa $7.5K, NFCU AMEX $15K, Citi Rewards+ $16,800, Wells Fargo Cash Wise 9.5K, Barclays AAdvantage MC $2K, NFCU GoRewards 10K, Home Depot Commercial $1k, Best Buy Visa $15k, ExxonCard $1500, PenFed Visa Sig $10k, NFCU CLOC $10K, Boscov's $13.3K, Overstock $12.5k, Sportmans $3900, Amex Cash Magnet $1500, Amex Bonvoy 2K, BarClay Arrival $2k, DiscoverIT $16k, AmazonCard $6000, PayPal MC 8K, Mercury MC $5.5K, CapOne Silver $16.5K, Lowes Credit $25K, Wal-Mart Store Card $9K, Wayfair $14.4K
Message 4 of 8
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Community Leader
Mega Contributor

Re: Amex Hilton Honors approved!

Doing some great rebuilding. Nice bonus tooSmiley Happy
Message 5 of 8
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Community Leader
Super Contributor

Re: Amex Hilton Honors approved!

Congrats on your 2nd AMEX card. Pretty confident since you're already a cardholder you'll receive no HP for the application.
Message 6 of 8
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Regular Contributor

Re: Amex Hilton Honors approved!

Thanks for your data points. After I finished reading I went to Amex and logged into my account to see offers. I clicked on SPG to apply and it showed pre approved so I pulled the trigger and I was approved for $1000 and no HP!!! I clicked on multiple cards and all of them showed preapproved.
Amex Platinum, Amex Cash Magnet Preferred- $2000, Amex Delta Platinum- $3000, Amex Marriot Bonvoy - $1000, Discover IT- $2600, JetBlue Plus World Elite MasterCard- $9600, Costco Citi- $9600, Capital One QS- $1450, Best Buy Citi Visa- $6000, Capital One GM- $500, Care Credit-$15,000, Merrick Bank- $1000, Paypal Credit- $4000, Amazon Prime Store Card- $6000, PayPal Extras Mastercard- $5000, Bloomingdales Card- $2000, Citi Double- $4200

03/08/19 Fico 8 EQ 706TU 716 EX 706 - FICO 9 EQ 712 TU 707 EX 677- FICO Mortgage EQ 703 TU 716 EX 693
INQ EQ 6 TU 10 EX 16 Utilization EQ 18% TU 18% EX 18%
Message 7 of 8
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Frequent Contributor

Re: Amex Hilton Honors approved!

That's awesome @zues.  I try to be specific about things as I know others are searching the forums looking for things based on similar situations.  I know I've done that quite a bit before applying for some of my cards.


Feb - May 2017

Current Fico 8
Message 8 of 8
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