Mini AMEX Spree Approval

precision · ‎05-14-2023

After a few years of "gardening" I decided to apply for a AMEX card to diversify my portfolio.

I haven't had a new card in 6 years. AMEX has always been on my list but I never pulled the trigger.

After browsing the forums for the weekend and looking at the prequal site I took a gamble.

AMEX Platinum - Approved, NPSL - HP yes
AMEX Blue Cash Everyday - Approved, 11.5k - HP yes

AMEX Everyday - Declined - HP no

DP's:

EX -727

EQ - 744

TU - 746

Income - 155k

14 Open Tradelines ranging from 750.00 to 24k.

1 Installment Loan

30% Utility

Sidenote:

I had my gf apply as well for the BCE. Approved, 31.5k starting limit. I hollered. lol.

DP's:

2 800+ scores and one just south of 800.

Between 14-16 tradelines

1 Installment loan

Income - 138k

Utility sub 10%

We both have AMEX corporate cards. I don't know if that means anything.

NoMoreDebt · ‎05-15-2023

congrats on the AMEX approvals

AMEX CHARLES SCHWAB PLATINUM NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $20000 CL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL

JoeRockhead · ‎05-15-2023

Very nice set of approvals, congratulations!

MartyWrite75 · ‎05-15-2023

Congratulations on your approvals!

June 2025: Experian 772; Equifax 788; Transunion 781

Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $7,500 (Sock drawer) || Discover It: $17,400 || Cap One Savor One: $600 (Sock drawer) || AMEX BCP: $10,000 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $9,500 || Citi Custom Cash: $15,500 || Verizon VS Visa: $20,000 || Amex Hilton Honors: $12,000 || Amazon (Chase) Prime Rewards (VS): $9,500 || Citi Double Cash: $6,900

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 6/2026(ideally)
Total Utilization: 11%
Inquiries: Exp: (2) Trans: (1) Equif: (1)

slickwidit · ‎05-15-2023

Congratulations 🍾🎉🎊🎈.

Amex only allows 2 cards in 90 day period. You will probably get the denied card in 91 days from your spree 😉

"Achieving your goal is great and everything.. But The journey is where all the amazing stuff happens" *Slickwidit*
Score goals - 800+ (85 points away)

GZG · ‎05-15-2023

@slickwidit wrote:
Congratulations 🍾🎉🎊🎈.
Amex only allows 2 cards in 90 day period. You will probably get the denied card in 91 days from your spree 😉

i thought 2/90 was only for credit cards, so they wouldn't have been denied based on that alone

I wonder if OP calls them and is like "approve please it was me who applied", if they will approve them for their everyday card

they also could have been spooked by the utilization percentage if they're carrying balances

nevertheless, congrats on amazing amex approvals!!

Starting FICO 8:

Current FICO 8:

M_Smart007 · ‎05-15-2023

Congrats!!!

coreyb80 · ‎05-15-2023

Congrats on the approvals!

CreditMagic7 · ‎05-15-2023

Congratulations on the AmEx Card approvals

slickwidit · ‎05-15-2023

@GZG wrote:
@slickwidit wrote:
Congratulations 🍾🎉🎊🎈.
Amex only allows 2 cards in 90 day period. You will probably get the denied card in 91 days from your spree 😉
i thought 2/90 was only for credit cards, so they wouldn't have been denied based on that alone

I wonder if OP calls them and is like "approve please it was me who applied", if they will approve them for their everyday card

they also could have been spooked by the utilization percentage if they're carrying balances

nevertheless, congrats on amazing amex approvals!!

It's two total in a 90 day period. You can do a charge card and a credit card on the same day but that falls in the 2/90 rule. OP scores are good for approval for all Amex.

"Achieving your goal is great and everything.. But The journey is where all the amazing stuff happens" *Slickwidit*
Score goals - 800+ (85 points away)