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Another Amex comeback story

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Regular Contributor

Another Amex comeback story

I’ve been on quite the roller coaster during the past 10 years. In 2008 I filed Bk and burned an Amex Blue for students. Since bankruptcy I’ve been on a few highs and lows and over the past 2 years have really started taking my credit more seriously and follow this forum almost religiously. I am platinum with SPG/ Marriott and have wanted the Amex for a long time. Well with the apps for the entry-level card closing tomorrow I finally pulled the trigger and was approved! Low staring line of 1k but I’m totally fine with that and am so happy to have my foot back in the door. I tried to double app for the Gold card and was denied. I was told by the rep that it was 2 hard pulls which I’m a little upset about but hope they don’t take the 2 apps as a red flag. My Experian score they pulled was pretty low as I just paid off a good percentage of debt but it hasn’t posted. My ex score was 649 and only 1 inquiry so I guess I can afford the 2nd pull just hate I wasted it. Current utilization hovering around 78% but will be 10-20% by the end of the month. Hopefully in 90days or 6 months I’ll get an offer for the gold or my dream card of the platinum. I am over the moon excited! 🤗 Thanks to all the regulars who have taught me so much! Back to the garden I go.
Message 1 of 16
15 REPLIES 15
Valued Contributor

Re: Another Amex comeback story

Cool story. Congratulations! MN, you're back in the game.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/01/2019): FICO 08 EXP: 714; TU: 744; EQ: 710
2019 Goal Score: 800 across the board


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Message 2 of 16
Regular Contributor

Re: Another Amex comeback story

Thanks James_A! It took a long time to realize the journey to good credit is a marathon and not a sprint. Hoping to keep growing slow and steady. One more data point for everyone I applied via the SPG app. Still in shock I was approved but so happy.
Message 3 of 16
Valued Contributor

Re: Another Amex comeback story

Congrats on the approval! Slow and steady wins the race, you're doing great so far, keep it up!


Scores - All bureaus 750 +/-
TCL - Est. $250K
Message 4 of 16
Senior Contributor

Re: Another Amex comeback story

COngrats on your approval and good luck in your journey !!!

 

 

 

3-2019 / Fico 8 EX 802 , EQ 803 , TR 805
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 5 of 16
Frequent Contributor

Re: Another Amex comeback story

That's awesome! Congratulations, OP. Welcome (back) to the Fam 👏🏾

04.2019

03.2018

NFCU CLOC: $15,000
Message 6 of 16
Regular Contributor

Re: Another Amex comeback story

Hmmm.. hope for me yet. Congrats!!!

  
  
  


Formerly GrowOrDie
Message 7 of 16
Regular Contributor

Re: Another Amex comeback story

Congrats OP! I burned AMEX in the late 90s and didn't get back in until 2017.  Definitely be happy that they have given you another chance, and don't waste it! Meet the minimum spend, PIF, and you'll reap the benefits before you know it after your UTI has been updated.  I wouldn't be surprised if in 30 days you might get a pre-approval message on the Gold Card and hopefully when you do app for it, it'll be an SP only as you're an established customer.

 

Good luck!

Message 8 of 16
Regular Contributor

Re: Another Amex comeback story

Nice comeback. CONGRATS! Smiley Wink










Message 9 of 16
Moderator

Re: Another Amex comeback story

Nice way to go and congrats on your SPG approval OP. Glad to hear you were able to reestablish your relationship with AmEx.
Message 10 of 16