Approved for First Amex Revolver

nmac · ‎05-30-2014

I applied for the Everday Preferred with the following utilization reporting:
Cap1 0/2000
Discover 0/1000
Chase 1149/3500
Citi 1450/3500
Amex PRG $20/NPSL

I was approved with a 3.5K limit. I don’t know what my EX score is but I assume it’s in the high 600’s. Since I recently moved my app was not instantly approved and I received an email asking me to call in. I had to answer 2 verification questions. This was also my best experience with a foreign call center. The rep was very easy to understand and was able to pronounce my uncommon last name without difficulty.

I’m super excited about this card since I find that member reward points are never worth less than .0144 each giving how I use them. Thus this card pays out rewards at 2.16% or better. Since I was approved for this card I'll ditch my PRG before the annual fee hit in a few months.

Quick Silver 2k - Discover 4.3K - Chase Freedom 7.6K - Venture 13K
Citi Double Cash 3.5K - Amex SPG 5K - CSP 5K - Arrival+ 3K
SW Premiere 5K - Citi TY Premiere 3.7K - FNBO Sun Country 3.6K
BOA Cash Rewards 5K - DCU Platinum 10K - Spirit 5K

myjourney · ‎05-30-2014

Congrats

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

ExplicitElicit · ‎05-30-2014

Congrats I love my everyday! BTW you can call Amex and ask what your EX score was.

Energy One FCU $5,000 (Now Elan Financial)

MsLadyRover · ‎05-30-2014

Congrats!!

Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)
Take the FICO Fitness Challenge

ChargeItPlease · ‎05-30-2014

Congrats.

Capital One Quicksilver One MC $ 1300 opened 11-2013

Capital One Secured MC $ 750 AU opened 08-2012

Capital One Journey Visa $ 300 AU opened 01-2014

Starting Score: 400s (2011) Current: EQ 655 (01-2014) Goal: 700 Last app: 01-01-14. No apps 'til 12-2014!

coldnmn · ‎05-31-2014

Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17

creditFiend · ‎05-31-2014

Congrats

alvon123 · ‎05-31-2014

congrats

Navy Cash Rewards Visa Signature 30,000 @ 11.65%

Comenity Caesars Rewards Visa $20,000 @22.99%

USBANK Kroger Rewards World Elite Mastercard $19,000 @23.99%

BigBS · ‎05-31-2014

Congrats! Gets even better in 61 days.

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

nmac · ‎05-31-2014

@BigBS wrote:
Congrats! Gets even better in 61 days.

Do you happen to know what date you have to wait 61 days from to get a CLI. Is it the day you apply? The day activate the card?

Thanks

Quick Silver 2k - Discover 4.3K - Chase Freedom 7.6K - Venture 13K
Citi Double Cash 3.5K - Amex SPG 5K - CSP 5K - Arrival+ 3K
SW Premiere 5K - Citi TY Premiere 3.7K - FNBO Sun Country 3.6K
BOA Cash Rewards 5K - DCU Platinum 10K - Spirit 5K