Just got my first AMEX

Anonymous · ‎11-01-2014

After months of hemming and hawing, I finally bit the bullet and applied for my first AMEX card. I was approved for an AMEX Everyday card with an interest rate of 12.99% (which I guess is the best they offer for this card) and a starting CL of $18,000. That makes this card my highest limit. I decided to apply for this card because there's no annual fee and you earn MR points like their charge cards which gives me some flexibility when it comes to rewards.

Thank you again to everyone on this board who helped me with lots of good advice and information. It was a long and bumpy road to get to this point where I can get cards like this and have an extremely low rate mortgage on a beautiful house. For everyone out there starting on your journey, don't give up hope. It takes some time to sort out your mistakes, but it will all turn out really well in the end if you stick with the advice of the knowledgeable people on this forum.

Anonymous · ‎11-01-2014

Congrats

Anonymous · ‎11-01-2014

Congrats!

Anonymous · ‎11-01-2014

Congrats! Impressive starting limit!

chalupaman · ‎11-01-2014

Congrats! Great card, great limit.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

Jerry45 · ‎11-01-2014

Congrats! Great CL

alvon123 · ‎11-01-2014

congrats

Navy Cash Rewards Visa Signature 30,000 @ 11.65%

Comenity Caesars Rewards Visa $20,000 @22.99%

USBANK Kroger Rewards World Elite Mastercard $19,000 @23.99%

uswala · ‎11-01-2014

Congrats!

taxi818 · ‎11-01-2014

Congrats.

baller4life · ‎11-01-2014