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Awesome! I just applied and got #3500 instantly. Hoping I can call and get that increased to at least 10. We'll see.
You guys got me feeling good...
I'm happy for you...
Look at my current FICOs below and I was approved for a AMEX Delta Skymiles....Boy! Was I shocked...Only a $1K Limit but wow AMEX...
I'm former military as well....Got out Fall 2013
You hit it off well mind sharing your income ?
Yes I'm curious also since my scores are higher but yet still denied amex! Congratulations though!!!
@Creditaddict wrote:WOW, that is fantastic.
I would actually probably call (regular customer service can do it) and move $10k over to the freedom as the slate has zero value if you are not going to bt but since they approved at such a great limit and you want to build history and show higher limits for future cards I wouldn't close it completely but having 2 cards around $10k would be better than 1 higher!
plus than as you use the chase your util will still stay low!
+1 to CA's advice!
@Booboo71 wrote:Yes I'm curious also since my scores are higher but yet still denied amex! Congratulations though!!!
Let's just say I make between 80-90K.
I'm beginning to think that it might have helped that I have 25,000 Skymiles and that I was searching for flights prior to applying...
I've always thought that one would need prime credit for any type of AMEX, which I certainly don't have.
@Anonymous wrote:
@Creditaddict wrote:WOW, that is fantastic.
I would actually probably call (regular customer service can do it) and move $10k over to the freedom as the slate has zero value if you are not going to bt but since they approved at such a great limit and you want to build history and show higher limits for future cards I wouldn't close it completely but having 2 cards around $10k would be better than 1 higher!
plus than as you use the chase your util will still stay low!
I was thinking about doing that since the rewards on the Freedom are so great and like you said, the only value Slate has is the BT deal. Would my report look better with a 20k and a few lower ones, or with two cards in the 10-12k range? I'm probably going into the garden for a little while, but I just got my membership with NFCU and was thinking I may take a shot with them as well.
You are lucky. Don't go for more.. Trust me garden your cards.. eventually you'll get approved for anything. Unless of course you need to spend over $30k at once I'm sure you weren't expecting a 20k limit so try to let it work for you and build your score. Eventually you will hit a threshold somewhere whether it be inquirys, low score, etc.
That is excellent news!! Can you please share the backdoor number you used to obtain the approval? Thanks for sharing!!
@Anonymous wrote:That is excellent news!! Can you please share the backdoor number you used to obtain the approval? Thanks for sharing!!
http://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/m-p/408066