Amex gold card - instant approved

[kj3]

Not for me I didn't get approve 

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@stickbowbuilder wrote:

I got my first amex card (sky miles) about a year ago. Ended up doing the spend, got the miles but since I don't do air travel it wasn't real useful to me. So I went for a Blue cash everyday. 

when I got the blue cash everyday it was at a 1000 limit (same as my delta). I had asked for cli on the delta and was denied 3 times. Was about to give up.... 

On a whim, when I got the blue cash I asked for a cli on the delta - approved!!! and then transferred it to my blue cash. 

TODAY, just to see, as it doesnt cost a HP,  I applied for the amex gold card. Put in my phone number, hit enter, waited about 30 seconds. It asked me if I wanted any approved users. Did that, hit enter and within 15 seconds - approved at 15k. Didn't really care if I was approved or not, just figured I'd see.... 

my first true revolver! 

depending on which report you look at I'm in the 668/ 685 / 690 - fico 8 (Equifax seems to lag behind the others big time) or in the 741 as amex reports. A tad over a year perfect history with amex on 1500 to 4500 a month spends and paid in full every month before cut. 

I have OLD bad marks (2024 they fall off) ((paid charge offs x2)).And a few paid 60 days late and one 90 day late - paid as well). So 2024 should see a huge jump in scores as they age off. 

but.... first revolver !!!! Yay! Will come in handy for stock / parts ordering and homestead stuff. 

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[Mdowning30]

Regarding Charge cards, when you guys say PIF, is that the Statement balance or the Full balance ? I pay my statement balances but wasnt sure about charge cards.

[Chazzay12]

@Mdowning30  Statement Balance

@kj3  I'm guessing that's your name. Please don't put any personal information on the forums. 

[Blender]

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@stickbowbuilder wrote:

Yes, I'm assuming it's a revolver due to the 15k pot? 

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I'd probably educate on what you're applying for and the difference between Amex products. I'm happy for you nonetheless, just don't assume with your finances. 

[stickbowbuilder]

I'd probably educate on what you're applying for and the difference between Amex products. I'm happy for you nonetheless, just don't assume with your finances. 

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I appreciate it, I assumed as I was told it was lol. 

to the others. my delta and blue cash I've always paid in full every month before cut date. Simple fact is if you can't - you can't afford what your charging. That said I have let a few bucks get through to cut a time or too lol. 

it will be interesting to see what they allow. 2 times a year I buy stock to make product and while I have the cash, I charge it and then pay it within days. I could near hit the 15k in a single order and pay it instantly. I might call and see if they'd let me haha. But again, that's all spring sale restock money. 

the one time I used the function to see what they'd allow over limit (2500 limit blue cash) they would allow 4400. So I suspect the gold card will be in that realm. Since I'm wrapping up spring sales, it would be a single charge to do the spend in the card and then use it for light bills until mid summer sales. But I also assume that would spook em calling to get approval lol. 

it's being mailed now so when I get it, I plan on calling them and have them tell me their rules. I destroyed my credit in 2017 and finally am seeing top 690 / 695 with 700s fico 8 coming up - I don't plan on repeating the mistake!!!