@MM787 wrote:8 months ago I began an attempt to rebuild with a USAA Preferred Cash Reards card SL $4500 (now 7500), a Fidelity Rewards Visa SL 9600, a Military Star card $5500 SL and a Discover It Cash $2000.
Congrats on the getting back with AMEX. However you have any more details about USAA? Did you burn USAA also, and now have a new account with them again, or was it a new app?
Congrats on the approvals to the OP!
@youngandcreditwrthyIt's normally it's a double pull (EX amd TU) if you don't have any existing cards with Amex (this was also my experience a yr ago). Subsequent cards are typically SP.
@MM787 wrote:During a rough divorce in '08 I allowed 3 Amex cards to charge off. They were never paid. I had been cash basis since then. 8 months ago I began an attempt to rebuild with a USAA Preferred Cash Reards card SL $4500 (now 7500), a Fidelity Rewards Visa SL 9600, a Military Star card $5500 SL and a Discover It Cash $2000. My Starting scores were all around 660s at that time.
A month ago I attempted the Amex preapproval with scores in the 680/690 range and those new accounts. No cards found, letter said too many new accounts. And a derogatory from 120 day late in 2017 on my student loan (since PIF).
Fast forward to yesterday. Since I have started an LLC and I eventually want to have a business relationship with Amex because I travel alot as a nomadic freelancer so I decided it was time to try to get back in.
I applied for the Delta Skymiles Gold first and was approved SL $1000 HP TU 698. After setting up my profile I applied for the Everyday card and was approved with another $1000 SL another HP on EX 684. No other derogs except the old Student loan hit. Util 12% on two 0% int cards, 4% on the other 2.
From what I've read I understand these approvals are barely approvals and the low SL is to be expected. I will use these two regularly for smal purchases and PIF. In the coming year I will apply for a business product if all goes well.
There is hope post blacklist. And my "Member since" on my online profile says 2005. I know there's no backdating but I chuckled when I saw that.
Congratulations on the two approvals. Don't worry about the starting limits. The accounts will grow. Pay in full every month and Amex will continue showing you some love.
@MM787 wrote:Thank you! I am looking forward the 3xCLI but even more to attempting a business relationship this year. I would like for Amex to be my first biz card. But time will tell.
I'm a fan of the Amex Blue Business Cash. But since you're a nomadic business person, maybe the travel related cards will be more useful to you.
Congrats on your AMEX Delta SkyMiles Gold & EveryDay approvals
Congratulations! I started with tiny limits too with them and they have grown over the years. Just PIF every week or two and you'll grow. On the business side, give it a shot after some time. They'll soft pull you once you're established again.
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Congratulations!
