Change of Heart on AMEX

Jeffster1 · ‎05-30-2024

@CreditCrusader wrote:
@pizzadude wrote:
Congrats on the double AMEX approvals ! Always good to take time to reassess your spending habits & reward needs
Thanks!

Also, gotta admit...their cards are SUPER cool. I use the Green when I travel, but that metal Gold looks fly at restaurants

As much as I love Amex, the metal Gold card is my least favorite aspect. It's too thick for my card wallet, and it presents disposal issues,

0% utilization
FICO 8 EX 839 EQ 848 TU 850
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 30K I American Express Delta Skymiles 13.9K I American Express Schwab Investor Card 5K I Bank of America Customized Cash Rewards Visa 30K | Kinecta MyPerks Rewards MC 35K | Wells Fargo BILT World Elite MC 30K I BMO Harris Cash Back MasterCard 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 52K I NFCU Amex 28K I Citi Best Buy Visa 15K I Macy’s Amex 25K I Bloomingdale’s Amex 10K I Bread Financial American Express 18K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 13.3K I Citi Dillard’s Visa 5K I JCPenney Mastercard 10K I Synchrony Premier Mastercard 10K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 15K I MyWalgreens Mastercard 10K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I Gemini Bitcoin Mastercard 15K I TMobile Capital One Visa 20K

CreditAggie · ‎05-30-2024

Congratulations on your Amex approvals!

Current Cards (in order of approval):

Current FICO 8 | 9 (December 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

NoMoreDebt · ‎05-30-2024

Congrats

AMEX CHARLES SCHWAB PLATINUM NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $20000 CL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL

CreditCrusader · ‎05-30-2024

As much as I love Amex, the metal Gold card is my least favorite aspect. It's too thick for my card wallet, and it presents disposal issues,

Opinions vary.

I think it's the gold standard for charge cards...sharp, distinguished, elite.

In my wallet: Local Credit Union $25,000, Northwest Bank VISA $25,000, AMEX BCP $15,000

Artemis092 · ‎05-30-2024

Congrats! Amex is my best card.

ScenicRouteTo850 · ‎05-30-2024

Congrats on your double approval!

Thomas_Thumb · ‎05-30-2024

@CreditCrusader wrote:

I have not been AMEX's greatest fan over the years...nothing personal, they just weren't my jam.

...until recently, whereupon my life and spending habits did a massive 180.

So, I used the pre-approval link...and low and behold, the two cards I wanted - Gold and Green - were among the offers (NPSL).

I accepted the Gold because of the nice SUB...and then was told by a rep that I could have my cake and eat it too (i.e. accept an offer for the Green as well, without an additional hard pull).

Congrats! Welcome to the Green club

Fico 9: .......EQ 850 TU 850 EX 850
Fico 8: .......EQ 850 TU 850 EX 850
Fico 4 .....:. EQ 809 TU 823 EX 830 EX Fico 98: 842
Fico 8 BC:. EQ 892 TU 900 EX 900
Fico 8 AU:. EQ 887 TU 897 EX 899
Fico 4 BC:. EQ 826 TU 858, EX Fico 98 BC: 870
Fico 4 AU:. EQ 831 TU 872, EX Fico 98 AU: 861
VS 3.0:...... EQ 835 TU 835 EX 835
CBIS: ........EQ LN Auto 940 EQ LN Home 870 TU Auto 902 TU Home 950