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Personal AMEX Gold - APPROVED NPSL!

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DLynn1920
Established Member

Personal AMEX Gold - APPROVED NPSL!

I CAN NOT BELIEVE I WAS APPROVED! Smiley Surprised

 

I have had the worst experience with Amex. I have the Delta Blue Amex, which was approved in December 2021 with a $1K SL. I have tried to get the limit raised at least 3 times to no avail, even though my scores have improved and my payment history is spotless.

 

I received an email from AMEX over the weekend that I could be approved for the Gold Card. I didn't believe it! But I logged in, put in the quick application, and a few seconds later, APPROVED!  For now, it has a NPSL, but customer service says that may change in the future depending on my spending. 

 

I'm not sure if a hard pull was done to my credit, because no inquires have popped up yet. 

 

I'm grateful for all I have learned in the group, it has helped my scores improve, and now one of my "goal cards" is now in the "win" column. Now back to the beginning of my gardening!

 

VantageScore 3.0 in July 2021:


FICO 8 scores as of Sept 14, 2022:






Goal Cards:

Message 1 of 13
12 REPLIES 12
M_Smart007
Legendary Contributor

Re: Personal AMEX Gold - APPROVED NPSL!

Congrats on your Gold Approval!

Message 2 of 13
DLynn1920
Established Member

Re: Personal AMEX Gold - APPROVED NPSL!


@M_Smart007 wrote:

Congrats on your Gold Approval!


Thank you so much! I does feel like a victory Smiley Happy

VantageScore 3.0 in July 2021:


FICO 8 scores as of Sept 14, 2022:






Goal Cards:

Message 3 of 13
M_Smart007
Legendary Contributor

Re: Personal AMEX Gold - APPROVED NPSL!


@DLynn1920 wrote:

@M_Smart007 wrote:

Congrats on your Gold Approval!


Thank you so much! I does feel like a victory Smiley Happy


"For now, it has a NPSL, but customer service says that may change in the future depending on my spending."

 

AENB / AmEx will determine your NPSL based on your spending habits over the next few months.

It is also subject to change after that.

 

Gold card holder since '83

 

Message 4 of 13
WomanITGeek
Contributor

Re: Personal AMEX Gold - APPROVED NPSL!

Congratulations on the Gold card! My daily driver and it serves me well! 

AMEX Gold: NPSL | Citi Custom Cash: $16,600 | Chase Freedom Unlimited: $15,600 | Chase Sapphire Reserve: $28,800 | Express (Comenity) $5000
Message 5 of 13
Stealth-1
Established Contributor

Re: Personal AMEX Gold - APPROVED NPSL!


@DLynn1920 wrote:

I'm not sure if a hard pull was done to my credit, because no inquires have popped up yet. 


Congrats on getting approved and adding the AMEX Gold to your win column! 🥂

 

If you're an existing AMEX cardholder it won't be a hard pull, it's just a soft pull on your Experian report.




"If you don't stand for something, you might fall for anything."
Message 6 of 13
DLynn1920
Established Member

Re: Personal AMEX Gold - APPROVED NPSL!


@Stealth-1 wrote:

@DLynn1920 wrote:

I'm not sure if a hard pull was done to my credit, because no inquires have popped up yet. 


If you're an existing AMEX cardholder it won't be a hard pull, it's just a soft pull on your Experian report.


I did not know that! Thank you for the information! Smiley Happy

VantageScore 3.0 in July 2021:


FICO 8 scores as of Sept 14, 2022:






Goal Cards:

Message 7 of 13
OmarGB9
Community Leader
Super Contributor

Re: Personal AMEX Gold - APPROVED NPSL!

Congrats! It's a great card. Smiley Happy


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 8 of 13
FireMedic1
Community Leader
Mega Contributor

Re: Personal AMEX Gold - APPROVED NPSL!

Congrats! Getting ready to start using mine for the SUB.


Message 9 of 13
Gidgetmom
Frequent Contributor

Re: Personal AMEX Gold - APPROVED NPSL!

Congrats on the Gold Approval!

Message 10 of 13
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