WOAH Amex :)

[Kenny]

---

@JaeJae12 wrote:
You think income played a factor as well?, she makes well above 6figs at a top law firm in NYC, what's funny was that she had gotten a call from a Amex manager before she was approved to ask some verification questions, then the next day she got an email saying she was rushed approved.

---

Definitely. If she had the same profile with lots of available credit, I don't think the approval would have been so large, but Amex likes you not having a lot of available credit, IMO. Don't think U/W has necessarily loosened/gotten stricter, I just think that they like people who don't have tons of available credit open. (Or at least will tend to give them larger CLs)

[alvon123]

CONGRATS

[Anonymous]

Congrats to her, cannot wait for September to get my card 3x again to over 10k.

[Anomalous]

---

@JaeJae12 wrote:
Here's something interesting, so I had asked my fiancé to app for the Amex everyday card (I get $50 for referral lol), and surprisingly Amex gave her a starting CL of $10K!, I mean what???? The only other card she has is a freedom with a 2k limit -.- lol

---

Nice!

[guydiver]

Congrats to you both.  Pizza time!

[uswala]

Congrats to both of you! 

[Anonymous]

---

@Kenny wrote:

---

@JaeJae12 wrote:
You think income played a factor as well?, she makes well above 6figs at a top law firm in NYC, what's funny was that she had gotten a call from a Amex manager before she was approved to ask some verification questions, then the next day she got an email saying she was rushed approved.

---

Definitely. If she had the same profile with lots of available credit, I don't think the approval would have been so large, but Amex likes you not having a lot of available credit, IMO. Don't think U/W has necessarily loosened/gotten stricter, I just think that they like people who don't have tons of available credit open. (Or at least will tend to give them larger CLs)

---

My comment wasn't based on this single thread. There are posts all over the forum from people with marginal scores and profiles getting approved not only initially, but getting large CLI's within minutes of activating their card. There are also multiple posts from members apping for two cards, getting a small limit on the first and a large limit on the second - ala Cap One. Something has clearly changed.

[Zorasmiles]

Congrats to her!  I also believe that AMEX dislikes one to having lots of available credit at their disposal.  They have become quicker with the FR's lately due to consumers becoming more credit saavy.

[Anonymous]

---

@JaeJae12 wrote:
Here's something interesting, so I had asked my fiancé to app for the Amex everyday card (I get $50 for referral lol), and surprisingly Amex gave her a starting CL of $10K!, I mean what???? The only other card she has is a freedom with a 2k limit -.- lol

---

Congrats, nice approval

[gdale6]

---

@JaeJae12 wrote:
Here's something interesting, so I had asked my fiancé to app for the Amex everyday card (I get $50 for referral lol), and surprisingly Amex gave her a starting CL of $10K!, I mean what???? The only other card she has is a freedom with a 2k limit -.- lol

---

Grats