Amex approval with data points and my Journey over the last few years

[lonewolf5460]

I was a 677 on TU in February of 2022 I got the Amex Gold card

At the time my only other cards were an Apple Card and discover card.

December 2022 i got a prequal offer for the Amex Hilton 4k CL

August 2023 I got the Delta card 3k

January of 2024 I got the Cash Magnet 3k

May 2024 I got the Everyday 5k limit

August 2024 I got the Blue cash card today with a 5k limit

I have put my emergency fund in an Amex HYSA account which I felt helped.

2025 I plan to do CLI requests I just wanted to max out the amount of cards I could get with Amex.

771 TU, 782 Experian, 754 Equifax with  4% utilzation on my credit lines with 16 inquires, 100-110k a year income

I now have 13 cards with 75,750 of total credit limit and I just checked my spending power I could spend 15k on my gold card.

Apple Card 8,750 limit

2 Wells Fargo 23,000 total limit

2 Discover 11,000 total limit

2 Navy Federal 13,000 total limit

5 American Express credit cards 20,000 total limit

1 American Express charge card

Back to gardening I want to get past the 5/24 rule so I can get chase cards.

[MissLiz]

Congratulations on all of your approvals and coming so far in your journey!

[UH_HUH]

Congratulations on your new approval with Amex @lonewolf5460 

Seems you have a lot of sway with the good people over there,

Hope you enjoy it for a long time

Thanks for posting,enjoyed reading it,

Cheers

[keekers]

Congrats.

[NoMoreDebt]

Congrats

[cashorcharge]

That’s Terrific!! Congratulations on your success and Approval!!👏🏼🍾🥂

[CreditAggie]

Congratulations on your Amex approval!