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My First Amex!

Regular Contributor

My First Amex!

It feels amazing to finally get approved for an Amex, I got approved for the BCE on a prequalify check. No idea what the limit is as I had to call in to confirm identity due to fraud alert on my file. Now I can cancel my garbage starter card I have (First Access)!


Couldn't get approved for a pack of gum last year haha


Message 1 of 11
Valued Contributor

Re: My First Amex!

Congrats on your approval.


Nice forward progress on your scores since December!

Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 2 of 11
Frequent Contributor

Re: My First Amex!

Congrats!! I'm sure you'll get at least 1k.
Current Fico 8 Scores:

Credit Goal:

Gardening until 2021

Current Cards:

Wish List:

Message 3 of 11
Regular Contributor

Re: My First Amex!

Also some data points for those wondering


650 FICO8 EX

9 INQ (10 with this app, gardening for a while)

6 CO Accounts(all paid and super old, 4-5 months from EE on all of them)

1% UTL on my cards ($34/$3850)

21% UTL on AU cards ($2500/$12000)

16% Overall UTL


Was declined for this same card a few months ago.


Message 4 of 11
Frequent Contributor

Re: My First Amex!

Very happy to read about your progress. Congrats!!
Message 5 of 11
Senior Contributor

Re: My First Amex!

Congrats on Approval .. Welcome to Amex family

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
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 6 of 11
Regular Contributor

Re: My First Amex!

Message 7 of 11
Frequent Contributor

Re: My First Amex!

Might be time to get off those AU cards unless they are helping your AAoA.

Great job on the progress!!

Starting Score: 475
Current Score: 649
Goal Score: 690

Take the myFICO Fitness Challenge
Message 8 of 11
Established Contributor

Re: My First Amex!

congrats, enjoy your new AMEX.
Message 9 of 11
Mega Contributor

Re: My First Amex!

Awesome jobSmiley Happy. Once those CO fall off, you going to be ballinSmiley Wink.
Message 10 of 11
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