@Anonymous wrote:
@KSK1912 wrote:
@Anonymous wrote:
@KSK1912 wrote:
Congrats OP on your approval.
Dillard's AmEx can be applied online unlike Macy's. You don't have to go to the store. It is backed by Wells Fargo, and Wells Fargo uses TU only for this card. I applied for it a few weeks ago and got approved with an SL $4000. Got the card a few days ago and already used it to about 40%. Once you hit $2K in a calender year with the card, you get the Dillard's AmEx Elite automatically which looks really nice. I asked the customer service and they said i do not have to do anything, as soon as i hit $2K it will be mailed to me. The only reason i apped for this card is, A-) My TU inquiry went from 16 to 5 at the time of application due to bum***e, 2-) little better score than the other 2 cra's. and finally, i do have a relation with WF checking/savings/ personal loan/ business accts. So i was actually banking on getting denied, and then calling CS to recon my app. I was honestly shocked when i saw the approved page. I lit a cigarette and stared at he screen for 10 mins making sure it was not a $400 store card but an the actual AmEx version.
And for those who asked how the card reports to CRA's, it says WFDillards, so it does not mention AmEx
which would have been really nice.
KSK 1912. tHanks for the advice on my thread about recon, I tried and it was a no go. This is my first acct with WF and I have opened 28 accounts this year. I too was surprised to get the AMEX version and lol I had to make sure a few times that it was actually the AMEX and not the store card. I got a 2K limit and I've been shopping. 😁😁WF did pull TU which is now over 700. Once these new accounts settle in over the next year I will be ready for round 2! Last but definitely not least CONGRATS to OP for your Dillards AMex. It's a nice looking card and the few times that I have n the CS, they are knowledgeable and pretty friendly.
My instant approval was $2K also. I was shocked given the fact that WF is a conservative creditor and i too had about 25/30 new accounts opened within the past few months, and my fico at the time was 641. I called in for recon and they asked me to call back about 20 mins later. I assume they might have checked my other accounts thru out that time. I have a secured cc with them $2500 limit, 0 balance, and i have checking/savings accounts, personal loan, and one of my checking accounts receives over $20K deposit a month. So that might have helped with their decision. I asked for $5K which i did not even think they would raise the SL to even $2500 but i thought it was worth a shot, and i was suprised to find out they came back with $4K offer, $3900 to be exact. I was just denied for the same card in june or july, and i had called in for a recon back then too but it was a no-go. So i am happy now. You will get your CLI too, just may take a little time that's it.
KSK 1912. When I called in for the increase, I was told to call back in 15 minutes. I have no prior relationship with Wells Fargo and was happy to qualify for the Amex card. I have already charged $400.00 and have paid 325.00 on the account, lol! The statement was cut within a week of opening the account, wow they are fast. The same day that I opened the Dillards account, I opened the Macy's Amex account and was given 4K. Definitely not as conservative as Wells Fargo. I did call Macy's to chat about CLI and a very nice CSR shared that I should call back early Dec and I will be pleasantly surprise of how generous they become with increases around the holiday season. You have to apply in person for the Macy's Amex account. Thanks for sharing and the words of encouragement. So, you also have itchy fingers....25/30 accounts in the last few months! Congrats! I have a wonderful spread sheet that I use now, lol!
HAhaa i can not believe how much we are on the same page 
I too have an excell sheet, that i keep track of my collection payments, which bureaus have deleted, what is left, all my store cards listed with the limits, and CLI requests with dates and stuff! Who backs up the Macy's AmEx? It is a pretty generous SL and yes i believe they should be giving out CLI's like candy right before black friday! So i will do one more round of cli's only on my store cards backed by Synchrony, and wait till about a week before black friday and do one more round, and december a week before christmas do another round. As for the several accounts, it was either now or never, coming from a very thing file with one revolving account and several collections (mainly all medical, nothing major such as a student loan, repossesions or anything like that) I did what i could to get some accounts, and honestly unlike what most people say, opening too many accounts did not hurt my credit but maybe for a very short time when the accounts were being reported. And the best part of this is, in a year or 2, when i get a new account opened, due to the high number of accounts aging together, new account will have next to no impact on my avarage account age.
Edit: I forgot to tell you, or maybe i did, but when you spend $2K on your amex within a calender year, WF will automatically send you the Elite version of the card which is black and looks really cool.
@KSK1912 wrote:
@Anonymous wrote:
@KSK1912 wrote:
@Anonymous wrote:
@KSK1912 wrote:
Congrats OP on your approval.
Dillard's AmEx can be applied online unlike Macy's. You don't have to go to the store. It is backed by Wells Fargo, and Wells Fargo uses TU only for this card. I applied for it a few weeks ago and got approved with an SL $4000. Got the card a few days ago and already used it to about 40%. Once you hit $2K in a calender year with the card, you get the Dillard's AmEx Elite automatically which looks really nice. I asked the customer service and they said i do not have to do anything, as soon as i hit $2K it will be mailed to me. The only reason i apped for this card is, A-) My TU inquiry went from 16 to 5 at the time of application due to bum***e, 2-) little better score than the other 2 cra's. and finally, i do have a relation with WF checking/savings/ personal loan/ business accts. So i was actually banking on getting denied, and then calling CS to recon my app. I was honestly shocked when i saw the approved page. I lit a cigarette and stared at he screen for 10 mins making sure it was not a $400 store card but an the actual AmEx version.
And for those who asked how the card reports to CRA's, it says WFDillards, so it does not mention AmEx
KSK 1912. tHanks for the advice on my thread about recon, I tried and it was a no go. This is my first acct with WF and I have opened 28 accounts this year. I too was surprised to get the AMEX version and lol I had to make sure a few times that it was actually the AMEX and not the store card. I got a 2K limit and I've been shopping. 😁😁WF did pull TU which is now over 700. Once these new accounts settle in over the next year I will be ready for round 2! Last but definitely not least CONGRATS to OP for your Dillards AMex. It's a nice looking card and the few times that I have n the CS, they are knowledgeable and pretty friendly.
My instant approval was $2K also. I was shocked given the fact that WF is a conservative creditor and i too had about 25/30 new accounts opened wit"hin the past few months, and my fico at the time was 641. I called in for recon and they asked me to call back about 20 mins later. I assume they might have checked my other accounts thru out that time. I have a secured cc with them $2500 limit, 0 balance, and i have checking/savings accounts, personal loan, and one of my checking accounts receives over $20K deposit a month. So that might have helped with their decision. I asked for $5K which i did not even think they would raise the SL to even $2500 but i thought it was worth a shot, and i was suprised to find out they came back with $4K offer, $3900 to be exact. I was just denied for the same card in june or july, and i had called in for a recon back then too but it was a no-go. So i am happy now. You will get your CLI too, just may take a little time that's it.
KSK 1912. When I called in for the increase, I was told to call back in 15 minutes. I have no prior relationship with Wells Fargo and was happy to qualify for the Amex card. I have already charged $400.00 and have paid 325.00 on the account, lol! The statement was cut within a week of opening the account, wow they are fast. The same day that I opened the Dillards account, I opened the Macy's Amex account and was given 4K. Definitely not as conservative as Wells Fargo. I did call Macy's to chat about CLI and a very nice CSR shared that I should call back early Dec and I will be pleasantly surprise of how generous they become with increases around the holiday season. You have to apply in person for the Macy's Amex account. Thanks for sharing and the words of encouragement. So, you also have itchy fingers....25/30 accounts in the last few months! Congrats! I have a wonderful spread sheet that I use now, lol!
HAhaa i can not believe how much we are on the same page
Edit: I forgot to tell you, or maybe i did, but when you spend $2K on your amex within a calender year, WF will automatically send you the Elite version of the card which is black and looks really cool
Lol, Yes the excell spread sheet. I've got everything on it! I had a pretty thin file April/ May timeframe. Scores went up and I went on many app sprees...May through August then 4 last week. While I have no regrets and I took a 40 point hit mostly with EQ, my TU and Ex have now entered into the 700's. Much higher than they were before the sprees. Very conservative lenders will need to see those accounts seasoned and I'm fine with that. I did get many of the prime accounts that I wanted. My utilization is now 6% as a result of my new accounts and much more freedom! The Macy's Amex is issued by DSNB Department Store National Bank. It was a hard pull with Experian. You do have to apply at a Macy's register and once your info is partially entered by the sales clerk and you enter info on the keypad, the register prints the results. My EX was 698 at the time. I've read that to get to their premier level you need to spend 1000.00 between Dec 1 thru Nov 30th....pretty easy to do. Macy moves at a much slower pace, I haven't received my card yet, it's been a week. I had Dillards card within 4 days, reported to the bureau and a statement!!!!😂😂. You are right, it will be nice next month moving into the holidays! The Dillards Elite card, the Black card is sleek. Can it be any charges or is it only charges at Dillards? Thanks!
@Anonymous wrote:
@KSK1912 wrote:
@Anonymous wrote:
@KSK1912 wrote:
@Anonymous wrote:
@KSK1912 wrote:
Congrats OP on your approval.
Dillard's AmEx can be applied online unlike Macy's. You don't have to go to the store. It is backed by Wells Fargo, and Wells Fargo uses TU only for this card. I applied for it a few weeks ago and got approved with an SL $4000. Got the card a few days ago and already used it to about 40%. Once you hit $2K in a calender year with the card, you get the Dillard's AmEx Elite automatically which looks really nice. I asked the customer service and they said i do not have to do anything, as soon as i hit $2K it will be mailed to me. The only reason i apped for this card is, A-) My TU inquiry went from 16 to 5 at the time of application due to bum***e, 2-) little better score than the other 2 cra's. and finally, i do have a relation with WF checking/savings/ personal loan/ business accts. So i was actually banking on getting denied, and then calling CS to recon my app. I was honestly shocked when i saw the approved page. I lit a cigarette and stared at he screen for 10 mins making sure it was not a $400 store card but an the actual AmEx version.
And for those who asked how the card reports to CRA's, it says WFDillards, so it does not mention AmEx
KSK 1912. tHanks for the advice on my thread about recon, I tried and it was a no go. This is my first acct with WF and I have opened 28 accounts this year. I too was surprised to get the AMEX version and lol I had to make sure a few times that it was actually the AMEX and not the store card. I got a 2K limit and I've been shopping. 😁😁WF did pull TU which is now over 700. Once these new accounts settle in over the next year I will be ready for round 2! Last but definitely not least CONGRATS to OP for your Dillards AMex. It's a nice looking card and the few times that I have n the CS, they are knowledgeable and pretty friendly.
My instant approval was $2K also. I was shocked given the fact that WF is a conservative creditor and i too had about 25/30 new accounts opened wit"hin the past few months, and my fico at the time was 641. I called in for recon and they asked me to call back about 20 mins later. I assume they might have checked my other accounts thru out that time. I have a secured cc with them $2500 limit, 0 balance, and i have checking/savings accounts, personal loan, and one of my checking accounts receives over $20K deposit a month. So that might have helped with their decision. I asked for $5K which i did not even think they would raise the SL to even $2500 but i thought it was worth a shot, and i was suprised to find out they came back with $4K offer, $3900 to be exact. I was just denied for the same card in june or july, and i had called in for a recon back then too but it was a no-go. So i am happy now. You will get your CLI too, just may take a little time that's it.
KSK 1912. When I called in for the increase, I was told to call back in 15 minutes. I have no prior relationship with Wells Fargo and was happy to qualify for the Amex card. I have already charged $400.00 and have paid 325.00 on the account, lol! The statement was cut within a week of opening the account, wow they are fast. The same day that I opened the Dillards account, I opened the Macy's Amex account and was given 4K. Definitely not as conservative as Wells Fargo. I did call Macy's to chat about CLI and a very nice CSR shared that I should call back early Dec and I will be pleasantly surprise of how generous they become with increases around the holiday season. You have to apply in person for the Macy's Amex account. Thanks for sharing and the words of encouragement. So, you also have itchy fingers....25/30 accounts in the last few months! Congrats! I have a wonderful spread sheet that I use now, lol!
HAhaa i can not believe how much we are on the same page
Edit: I forgot to tell you, or maybe i did, but when you spend $2K on your amex within a calender year, WF will automatically send you the Elite version of the card which is black and looks really cool
Lol, Yes the excell spread sheet. I've got everything on it! I had a pretty thin file April/ May timeframe. Scores went up and I went on many app sprees...May through August then 4 last week. While I have no regrets and I took a 40 point hit mostly with EQ, my TU and Ex have now entered into the 700's. Much higher than they were before the sprees. Very conservative lenders will need to see those accounts seasoned and I'm fine with that. I did get many of the prime accounts that I wanted. My utilization is now 6% as a result of my new accounts and much more freedom! The Macy's Amex is issued by DSNB Department Store National Bank. It was a hard pull with Experian. You do have to apply at a Macy's register and once your info is partially entered by the sales clerk and you enter info on the keypad, the register prints the results. My EX was 698 at the time. I've read that to get to their premier level you need to spend 1000.00 between Dec 1 thru Nov 30th....pretty easy to do. Macy moves at a much slower pace, I haven't received my card yet, it's been a week. I had Dillards card within 4 days, reported to the bureau and a statement!!!!😂😂. You are right, it will be nice next month moving into the holidays! The Dillards Elite card, the Black card is sleek. Can it be any charges or is it only charges at Dillards? Thanks!
Dillards amex is just llike any other cc. Can be charged anywhere AmEx is accepted. Not a week i got my card and i probably already ran over $1500 thru it, and i think yesterday my statement cut off too. 10/9 statement date. So i will get the elite card before the end of this month for sure And the spending does not have to be at dillart's. As long as you spend that amount that's all they care about, and one year is more than enough to charge the card $2K. Just a shame that there are no rewards on it besides the dillards rewards, and it doe not mention anything to the CRA's about amex. But still i will take that card anyday just because it has the amex logo on it. That's one step short of getting an actual Amex. I will have to hold off on Macy's because, due to some inq's being removed from my EX file, i have a fraud alert on it. I can still apply but it would not be an instant decision but they would have to call, verify my id and all that stuff, and i dont want to worry any creditor applying for credit while i have a Fraud alert on my report.
Congrats! I tried for the popup awhile back but no go.
