App'd by phone on Fri. for the Amex SPG, since I have a Sheraton 4 Seasons visit scheduled for March, and since I have the Zync already, a rejection would only be a SP. I was given the infamous "7-day notice," but I looked online on Sun. and saw "Approved!" I called in, and found out that they gave me $2,000. I don't know my Experian score yet, though.
I thought to myself: There's only 1 other card out there that I really even want, now that the Cash Plus has gone kaput---the Penfed Platinum Cash Rewards (for the always-on 5% off gas, no annual fee, high CLs granted, and ready access to really cheap loan rates.)
Anyway...I was INSTANTLY approved and was given a $17,500 limit, plus an offer to BT $16,500! (I always PIF, minus an occasional $1,000+ expense that I will pay before a 2nd statement cuts).
I was floored...my next highest limit is with Discover, who gave me a $7,500 limit. This is huge for me mentally, for just last August, tPenfed declined me for everything, even for a car loan!
i was planning to freeze all 3 reports and garden for 4 years until I heard about Zync's imminent demise. Now I don't know what to do about that, for each Amex product in my report contributes 24 years of backdating (had an Amex green for awhile when I was in college).
All 3 bureaus (per Amex CreditSecure FAKO) are still 748 (as of 12/19/13). Cards: Discover It, $12,100, Chase Freedom $3,300, Chase Amazon $1,500, Walmart store $11,000, AMEX Zync NPSL, Costco Amex $14,700. US. Bank Cash +, $5,000. AMEX SPG $6,000, PenFed Plat. Cash Rewards $17,500, PenFed P-LOC $10,000, Citi Forward $5,100, Chase Slate $5,000, Old Navy, $2,200.
Starting Score: EQ 717 EX 724 TU 736
