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Amex Surpass Approval *UPDATE*

Established Member

Amex Surpass Approval *UPDATE*

*UPDATE* Starting Limit: $5k.

Approved today! Here are the deets:

Exp: 714.

5 inquiries all over 1 year ago, (now 6). 2 of those inq's will come off this month. 

No late payments in over 3 years. Five consecutive 90 day lates on a student loan 3.5 years ago. 

Oldest account is 17 years. Newest is just under 2 years old. 

Capital one card is my only other cc. Excellent history. 3% utilization. 2k limit.

No collections. No other debt besides 2 student loans, ~ 70k total. (no car loan, no home loan, etc)

Income 74k.


I have a relatively thin credit file. Mostly all student loans that are paid and closed in perfect condition.


Just for reference, but these were not pulled by amex: Equifax 724. Transunion. 732 

The approval didn't give me any info on the starting limit. I'll post an update when I find out.


I've lurked around these forums for years now, reading cc app and approval posts and some have been immensely helpful.

I have to point out, a lot of times I'm disappointed with the lack of details behind the approval. Posting their new $XX SL and relishing in the congratulatory comments isn't really thoughtful contribution to these forums. Sifting through approval posts without the accompanying statistics is as useful as teets on a bull. So please, enjoy. 


Starting Score: 488 2017
Goal Score: 750

Inquiries: Ex 6 Tu 2 Eq 7

Legendary Contributor

Re: Amex Surpass Approval

Congratulations on your Approval..

Message 2 of 16
Community Leader
Super Contributor

Re: Amex Surpass Approval

Congratulations on your Amex approval!

Current Cards (in order of approval):

Current FICO 8 | 9:  
Credit Age:  
Inquiries (6/12/24 month):  
Banks & CUs:                           Goal Cards:
Message 3 of 16
Senior Contributor

Re: Amex Surpass Approval

Congrats on the approval!!! Very detailed DP!! 👍🏻 

Message 4 of 16
Senior Contributor

Re: Amex Surpass Approval

@CaptCami  yes data point provide a very useful and more complete picture of the circumstances... thank you for providing yours.  I know they help me to determine how and when I may better qualify for credit product I am on the hunt for (ie. AOD/AMEX or another) and congratulations on your Surpass approval!


Message 5 of 16

Re: Amex Surpass Approval

Excellent, grats on the new Surpass card Smiley Happy
Message 6 of 16
Mega Contributor

Re: Amex Surpass Approval

Congratulations on your approval!
Message 7 of 16
Community Leader
Senior Contributor

Re: Amex Surpass Approval

Thank you for the DP's and Congratulations on your approval!!

Message 8 of 16
Valued Contributor

Re: Amex Surpass Approval

Congrats on your approval!

Message 9 of 16
Established Contributor

Re: Amex Surpass Approval


US Bank Altitude Go 18.1k | Chase Ink Unlimited 10K | Chase Freedom Unlimited 18.5k | Chase Freedom 11.7k | American Express Gold NPSL | American Express Bonvoy Brilliant 22.5k | American Express Bonvoy Business 20k | American Express Amazon Business Prime 10k | American Express Blue Business Plus 20k | Citi AAdvantage Executive Card 14.1K | Citibusiness AAdvantage 11.9k | Citi Double Cash 15k | Barclays Aviator Red 24.3K

Fico 8s as of 05/01/2022:
Message 10 of 16
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