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).
I would check out the Platinum rewards card also. That card gives you 3x points on groceries, and it isn't capped.
Congrats Trish! Nice CL's!
Penfed cards also have no forex and can be upgraded to chip/pin/sig. If you travel internationally you should ask for it ASAP.