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Amex Surpass Approval *UPDATE*


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

Epic Contributor

Re: Amex Surpass Approval

Congratulations on your Approval..

Message 2 of 16
Senior Contributor

Re: Amex Surpass Approval

Congratulations on your Amex approval!

Current Cards (in order of approval):

Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:

Currently: 2/6, 2/12, 5/24
Message 3 of 16
Community Leader
Senior Contributor

Re: Amex Surpass Approval

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

Message 4 of 16
Valued 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!


|| DTI 8% || Mortgage Scores: EQ724, Tu694, EX726 ||
Inquiries: EQ/TU/EX (0 / 2 / 1) - 0/6 - 0/12 - 3/24 ||

Next App on the list is ???
Last apps: (2) August 18, 2019
Garden goal - Unknown date, 2021
Going for Sapphire spade - May 18th 2021

Dirty/ Thick/ Aged/
Message 5 of 16

Re: Amex Surpass Approval

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

Re: Amex Surpass Approval

Congratulations on your approval!
Message 7 of 16
Valued 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 Reserve 18.1k
Chase Freedom Unlimited 18.5k
Chase Freedom 11.7k
American Express Bonvoy Brilliant 22.5k
American Express Bonvoy Business 20k
American Express Amazon Business Prime 14k
Barclays Aviator Business 5k
Citi AAdvantage Executive Card 14.1K
Citibusiness AAdvantage 11.9k
Citi Double Cash 15k

Fico 8s as of 06/10/2021:

Message 10 of 16
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