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First AMEX Card!

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Established Member

First AMEX Card!

So I was convinced I was in the garden for at least 6 months after opening both the CSP and the CFU back to back last month. And having 10 inquiries on my report the last 12 months 🤦🏻‍♀️ (home refi, new CCs and a personal loan ugh).

But then... This lovely 100k points pre-approval dropped into my mailbox for the AMEX Hilton Honors card. No annual fee and only have to spend $1k in 3 months. Sounded good to me! I set it aside for my apply later list. (Ive never had an AMEX account and figured it would be a good one to start with.) Once my hubs and I started talking about it tho I couldn't resist the temptation lol!

I used the RSVP code on the mailer and was approved right away online. However...I was rather disappointed that they only gave me a $1k SL. Especially considering Chase just gave me a $9.7k SL a few weeks ago. I think I was actually offended by AMEX for that 😂. My hubs thinks it's cuz I have had no accounts with them but I think it's cuz I have so many inquiries and recent credit lines opened. Either way...I've joined the AMEX family. And we're road trip junkies so let's see what we can do with all those HH points. 😁

CSP $9.7K || CFU $3.4K || CF $10.2K || PNC Cash Rewards $4K || Synchrony $16K || Best Buy $4k || Amex HH $1k

SEPT 2019 EX: 733 TU: 742 EQ: 746
GOALS: 800 Club


In the garden until March 2020.
Message 1 of 21
20 REPLIES 20
Community Leader
Mega Contributor

Re: First AMEX Card!

Congrats on your new card! 

EX 759 EQ 774 TU 753


Message 2 of 21
Valued Contributor

Re: First AMEX Card!

YOU...

Awesome Congratulations GIF by Slanted Studios

CONGRATS  on your AMEX Hilton Honors approval and Welcome to the AMEX family!!! 

 

BTW, my 1st AMEX approval was $1,000 for the BCE card and 6 months later, I was approved for the AMEX Cash Magnet with a $15,000 SL!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $15.5K | OpenSky $300 BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) | BBVA Compass Rewards VS $10.5K |
Apple Card MC $6K | NFCU cashRewards $1K
TCL - $114K+ | Rebuilding since April 2018
Message 3 of 21
Established Contributor

Re: First AMEX Card!

I agree with your Hubbs?!    I found out a lot of people that have had no connection with them before tend to start out at 1k and may even get their first few requests to CLI denied but I have also been told once they do they are super generous so I am just waiting for that time to come for me as well Smiley Very Happy     Congrats and Welcome!
















Message 4 of 21
Super Contributor

Re: First AMEX Card!

 

Congrats on your approvalSmiley Happy

I just paid for My daughter's honeymoon  with Hilton points .. See the source image

 

 

 

Message 5 of 21
Senior Contributor

Re: First AMEX Card!

Congrats and welcome to the family. Amex is great if you treat them right and the points come fast. Got my first HH card 10-1/2 months ago, I’ve used 8 nights’ worth of points stays, and still have 130k points sitting there waiting. I love it and I’m betting you will too Smiley Happy


Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

5/24, 1/24, 76445/24, who cares #HappyWithAmex





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 6 of 21
Regular Contributor

Re: First AMEX Card!

Congrats on the approval!!! Welcome to the Amex Fam!!!!




Starting FICO-8 as of February, 2019:

Current FICO-8 as of June, 2019:

Message 7 of 21
Regular Contributor

Re: First AMEX Card!

I started with $2k on my AmEx ED card in May. After 61 days I was approved for a CLI up to $5k. Remember the 3x rule and use it wisely. Welcome to AmEx family!

CO Platnium - $500; CO Quicksilver - $5,500; CO BuyPower - $500; Target MC - $5,000; Chase Amazon Prime - $2,000; Care Credit - $14,400; PNC Core - $3,500; Citi DoubleCash - $4,300 - AmEx Everyday - $5,000; Citi Simplicity - $17,000; Chase World of Hyatt - $17,300; PayPal LOC - $3,750

Hidden Trade Lines - Chase Ink Cash - $15,000

Total CLI - $93,750
Message 8 of 21
Frequent Contributor

Re: First AMEX Card!

Message 9 of 21
Valued Member

Re: First AMEX Card!

Congrats!!!  Your scores look great -- so, keep up the good work! 

 

BTW, I love AMEX since they've been good to me since 2006 (pre-post the Great Recession).  Also, they offer great products along with exceptional customer service.  In time, your limits should increase. Patience is your friend (I should take my own advice). Smiley Wink

 


@MandyLou wrote:
So I was convinced I was in the garden for at least 6 months after opening both the CSP and the CFU back to back last month. And having 10 inquiries on my report the last 12 months 🤦🏻‍♀️ (home refi, new CCs and a personal loan ugh).

But then... This lovely 100k points pre-approval dropped into my mailbox for the AMEX Hilton Honors card. No annual fee and only have to spend $1k in 3 months. Sounded good to me! I set it aside for my apply later list. (Ive never had an AMEX account and figured it would be a good one to start with.) Once my hubs and I started talking about it tho I couldn't resist the temptation lol!

I used the RSVP code on the mailer and was approved right away online. However...I was rather disappointed that they only gave me a $1k SL. Especially considering Chase just gave me a $9.7k SL a few weeks ago. I think I was actually offended by AMEX for that 😂. My hubs thinks it's cuz I have had no accounts with them but I think it's cuz I have so many inquiries and recent credit lines opened. Either way...I've joined the AMEX family. And we're road trip junkies so let's see what we can do with all those HH points. 😁



700s club (again)!! New cards as of 7/19
rose-gold-carddelta-skymiles-gold1.v1537547435.pngamex-aspiremarriott-bonvoy-brilliantMsZeUu0neimanmarcus_cardart_flat.pngsaks-card-image0SKQMGF
AMEX PRG - NPSL ; AMEX Delta Gold $11,500; AMEX Delta Reserve $4,700; AMEX Hilton Aspire $4,000 (was an existing HH Diamond earned the hard way for many years); AMEX Bonvoy Brilliant $4,700; DiscoverIT Cashback $9,500; Neiman Marcus card $6,000 starting CL 8/2019; Saks 5th Avenue Store Card $2,250 starting CL 8/2019 & 9/2019 CLI to $6,000 (SP); Capital One Venture CL $9,500; Pre-Approved Capital One Auto Navigator at $30,000 top-tier Prime APR

Older existing cards: Capital Secured Platinum $1,302 (never graduated as C1 halted secured upgrades); US Bank secured $300 (never graduated to unsecured, but going to can before the annual fee).
Message 10 of 21
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