Amex gold and Us Bank cash+ approval and BCE for D... - myFICO® Forums

arunkumarmm · ‎03-29-2020

Hi guys,

Got a pre-approval for DW for BCE, she got a thin file, no SSN, only ITIN.. She got her own CO Walmart for $300 and BoA CR for $6300 and AU on my CF and CFU. So went for it and approved for $1000.

This got me curious and decide to check my per qual and i got "special offer for you" for most of the cards except Platinum.

Gold with 50k, Green with 45K points, BCP with $300, cash Magnet with 5% for 6 months, BCE with $200.

I was in the garden as i was declined for CSR last September for being over 5/24 (Got AR after that). I'm 4/24 now but as most of the travel plans are cancelled for now, decided to app for Amex gold and i also wanted the Cash+ for long time.

First applied for Cash+ and then it went into review. Then applied for Gold and got instant approval with $10K POT and 50K bonus for $4k spend.

Cash+ was in review status for a week and it was approved for $18.5K with 16.99 APR.

What i wonder is, AR when i approved was for $9K and visa infinite, but this they approved for double the limit..

DP: both were EX pull, 765 Fico 8

Util: <1%, AAOA: 3 years,

Enq: 5/24, 4/12, 1/6

New account: 4/24, 3/12, 1/6

AllZero · ‎03-29-2020

Congratulations on DW and your approval!

Anonymous · ‎03-29-2020

Congratulations!!!

newfossil · ‎03-30-2020

Congratulations!!!

Starting score - May 2018

April 2021

AAoA - 1 year 6 months

rgate88 · ‎03-30-2020

Congrats to you!

It's not uncommon for an issuer to issue a lower limit on your first card with them, and then your 2nd & beyond get big approvals.

I got $2k on my first Chase card, then got $17.3k, $15k & $10k

I got $2.3k on my first Citi card, then $13,000

CO Platinum - $500; CO Quicksilver - $2,000; Marcus GM BuyPower - $700; Target MC - $9,000; Chase Amazon Prime - $17,300; PNC Core - $27,000; Citi DoubleCash - $8,300 - AmEx Everyday - $2,500 (was $20,000); Citi Simplicity - $29,500; Chase World of Hyatt - $17,300; PayPal LOC - $10,000; PNC Cash Rewards - $43,500; U.S. Bank Altitude Go - $15,000; AmEx Platinum - NPSL ($7,800 POT); Elan Max Cash (Alliance CU) - $25,000; Alliance CU LOC - $2,000; BMO Harris Cash Back (Was Bank of the West Cash Back) - $3,000; (Closed Block-Fi - $15,000 RIP); Wells Fargo Autograph Visa - $10,000; Chase Freedom Flex - $20,300; Venmo - $15,000; AllTru LOC - $10,000

Business Trade Lines - Chase Ink Cash - $4,000 (original limit $19,600); Chase Ink Preferred - $10,000; AmEx BBP - $5,500; Hilton Honors Business - $9,000; FNBO Evergreen Business - $15,000; Elan Business Visa (Alliance CU) - $20,000; Citi Business AAdvantage Platinum Select - $16,000; Marcus GM Business - $2,500; Kabbage LOC - $10,500; Marriott Bonvoy Business - $14,600; Barclays AAdvantage Aviator WE Business - $7,000; IHG Rewards Premier Business - $5,000; Edward Jones Business (Elan) - $2,000; Barclays Wyndham Earner Business - $7,000; US Bank Triple Cash - $10,000; Chase Ink Unlimited - $6,000

Total CLI - $412,000