Hello fellow good and bad influences!
Spent some time in the garden this year, like most I guess. Last new accounts were early December 2019- Amex Hilton, Capital One Walmart, and Citi Rewards+. Tried for the Altitude Go mid year and got rejected. Stung a little, but went back into the garden.
I gave in and got the Apple card in early November. $2000 limit, which was annoying considering prior offers (that I declined) were $4500. It's 2020, it is what it is.
I've had my eye on the Amex Gold for years. That $250 fee always made me hold out. Then Amex had the 60k offer PLUS the $250 bonus from Resy. Apped last week and instant approval. This one is an easy daily driver and will sock drawer at least two other cards. Other Amex cards = Honors Hilton $18k limit, Cash Magnet $5k limit (purposefully kept at $5k).
I thought I was done but had a hiccup when going to pay my insurance- they don't like Amex. >.<
Ever hate apped? I know I'm in good company.
Went for the US Bank Altitude Go, since last year's new accounts have aged out. Something like 6/24. Apple card showed up on my TU yesterday, so 1/12 on TU and 0/12 on EQ and EX. Instant approval, $10k. I really like how US Bank now shows you the offer and you can decline if you want. I've had a US Bank Cash+ card for almost two years. CL now at $11k on that one.
Figured since I'm out of the garden I might as well go churning around town. Unfortunately, Capital One said NO on a Quick Silver. I mean I get it, they probably knew what's what. 3 existing accounts- ancient Platinum ($4500), Savor One ($20k), and Walmart card ($8500). About $100 on the Walmart card, Savor card barely used this year, Platinum is never used. They said they would send me a letter and I'm sure it'll say something polite about barely using the $30k limits they've already given me.
Data Points:
797 to 815 FICO8
2 to 5 inquiries
AAoA - 4 years
AoOA - 19 years
$116 TCL across 13 cards
<1% utilization, paid in full on everything
