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Hilton Ascend Approval

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Valued Contributor

Re: Hilton Ascend Approval

Congrats on your Hilton Ascend card approval! Smiley Happy

Currently: Gardening since 4/1/2019

FICO 8 [01/2016]
FICO 8 [04/2019]
GOAL: FICO 8: 760 across the board by 2/2020!
Message 11 of 18
Valued Contributor

Re: Hilton Ascend Approval


@jdbkiang wrote:

@James_A wrote:

Great comments across the board -- thank you all.

 

@Jnbmom I remember your frustration with Amex & the subsequent "I'm gonna cancel my card" thread. Seems we're on a similar path. 

 

@jdbkiang I'd love to see an accounting of how to turn 1k into 30k in 9 months. Wow! Give up the details please.


I think it was just a matter of waiting for Amex to warm up to me. At the time I got my $1K SL with them, I'd already maxed out my exposure with Chase at about $50K, so I was fairly certain that they'd eventually grow more generous with me. 

 

About 65 days from receiving the Ascend, I went for the famed Amex 3x CLI and was given a $3K CL. The next month, I applied for their BBP, and was approved for $4K. Then in September, I went for their Gold card just before it was revamped to nab the $0 first year AF. This was actually denied the first time, but was approved after recon. In early November, I applied for the no-AF Hilton and was approved for $3.6K. At this point, I felt like I was approaching my limit with them, simply because of the fact that they gave me a non-rounded CL, haha. Nevertheless, I applied for the Hilton Aspire just a week later and was surprised to see that they instantly approved me for a $10K limit. I then remembered, not too long later, that it had been 181 days since my last CLI, so I requested an CLI for my Aspire to $20K and was also instantly approved. I didn't want to go the full 3x on that one, because I feel doing so would get too close to maxing out my exposure with them, and there are still one or two cards I'd like to get with Amex. 

 

Also, not sure if it matters, but somewhere in there, I did check my pay over time limit on the Gold card and saw that I was approved for $35K on that card as well. It probably helped me feel more comfortable in applying for the Aspire, but I have no DP's to actually support that it helps your approval odds.

 

Additionally, outside of the first Ascend card, all other cards were pre-approved and SP'ed. Looking back, I probably could have been more cautious and patient throughout the process, but fortunately, I didn't suffer from my quick trigger. 


Great story. Thank you. 

Questions:

* How do you make use of 3 Hilton cards?

* Will you combine them at some point? 

* Does the 5 card limit (looks like you're maxed out) not include charge cards?

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/01/2019): FICO 08 EXP: 714; TU: 744; EQ: 710
2019 Goal Score: 800 across the board


Take the myFICO Fitness Challenge
Message 12 of 18
Senior Contributor

Re: Hilton Ascend Approval

Congrats on your approval and Welcome to Amex family !!!

 

 

 

3-2019 / Fico 8 EX 802 , EQ 803 , TR 805
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 13 of 18
Valued Contributor

Re: Hilton Ascend Approval

Congrats on the Hilton addition!



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Message 14 of 18
Valued Contributor

Re: Hilton Ascend Approval

Congratulations on your approval!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 15 of 18
Established Contributor

Re: Hilton Ascend Approval


@James_A wrote:

@jdbkiang wrote:

@James_A wrote:

Great comments across the board -- thank you all.

 

@Jnbmom I remember your frustration with Amex & the subsequent "I'm gonna cancel my card" thread. Seems we're on a similar path. 

 

@jdbkiang I'd love to see an accounting of how to turn 1k into 30k in 9 months. Wow! Give up the details please.


I think it was just a matter of waiting for Amex to warm up to me. At the time I got my $1K SL with them, I'd already maxed out my exposure with Chase at about $50K, so I was fairly certain that they'd eventually grow more generous with me. 

 

About 65 days from receiving the Ascend, I went for the famed Amex 3x CLI and was given a $3K CL. The next month, I applied for their BBP, and was approved for $4K. Then in September, I went for their Gold card just before it was revamped to nab the $0 first year AF. This was actually denied the first time, but was approved after recon. In early November, I applied for the no-AF Hilton and was approved for $3.6K. At this point, I felt like I was approaching my limit with them, simply because of the fact that they gave me a non-rounded CL, haha. Nevertheless, I applied for the Hilton Aspire just a week later and was surprised to see that they instantly approved me for a $10K limit. I then remembered, not too long later, that it had been 181 days since my last CLI, so I requested an CLI for my Aspire to $20K and was also instantly approved. I didn't want to go the full 3x on that one, because I feel doing so would get too close to maxing out my exposure with them, and there are still one or two cards I'd like to get with Amex. 

 

Also, not sure if it matters, but somewhere in there, I did check my pay over time limit on the Gold card and saw that I was approved for $35K on that card as well. It probably helped me feel more comfortable in applying for the Aspire, but I have no DP's to actually support that it helps your approval odds.

 

Additionally, outside of the first Ascend card, all other cards were pre-approved and SP'ed. Looking back, I probably could have been more cautious and patient throughout the process, but fortunately, I didn't suffer from my quick trigger. 


Great story. Thank you. 

Questions:

* How do you make use of 3 Hilton cards?

* Will you combine them at some point? 

* Does the 5 card limit (looks like you're maxed out) not include charge cards?


1. The Ascend and Aspire don't overlap too much. Basically, I use the Aspire for travel and dining, and the Aspire for gas and groceries. I am considering and probably should have gotten the Hilton Business instead of the regular Hilton card for everyday usage, as the business categories wouldn't overlap as much. However, the no-AF Hilton was showing a bonus of 100K for just $1K spend, which, to me, was just too easy and had no AF, so there was no reason not to get it. The Ascend is nice for the gas and groceries also, but I'll have to sit down and double check if it's worth the $95 AF. The main benefits are Gold Status (Free breakfast) and the 10-visit Priority Pass. Of course, with the Aspire, neither of those are worth much anymore, so I may downgrade it to another no-AF Hilton in month 13. 

 

2. The Ascend is nice for the gas and groceries also, but I'll have to sit down and double check if it's worth the $95 AF. The main benefits are Gold Status (Free breakfast) and the 10-visit Priority Pass. Of course, with the Aspire, neither of those are worth much anymore, so I may downgrade it to another no-AF Hilton in month 13. At this point, honestly, once I start applying for my 6th Amex revolver, I know Amex will probably give me the option to close one of my existing accounts with them in order to go over their 5-card limit, so I'll simply have them close the Ascend and then go from there.

 

3. The 5-card limit does not include charge cards, but does include business cards. That puts me at 4 revolvers. 



[2/2019]
Message 16 of 18
Frequent Contributor

Re: Hilton Ascend Approval

Congrats on your approval. Is this your 1st AMEX?
Message 17 of 18
Valued Contributor

Re: Hilton Ascend Approval


@Repairman wrote:
Congrats on your approval. Is this your 1st AMEX?

Thank you. Second card (1K BCE) on this second go-round with Amex.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/01/2019): FICO 08 EXP: 714; TU: 744; EQ: 710
2019 Goal Score: 800 across the board


Take the myFICO Fitness Challenge
Message 18 of 18