No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Thanks to all you guys here at the forum, I finally was just approved for the amex everyday card last night!!
I called to find out what my limit was and it was only 2,000.
1. Can you call to see if they will increase the starting limit? Or better just to wait for the 61 days CLI
2. I applied for the SPG at the same time, and got the pending 4-5 day before processing. Does that mean it already did another hard pull on my credit report? or will it actually do the hard pull at the 4-5 day. If i'm denied I know it's usually a soft pull if you already have a card, but since I just got the everyday would that be different?
3. Is it actually better to cancel the spg app and wait a while to build up my credit with amex and then apply for maybe a much bigger starting CLI for SPG, or with the 61 day CLI it'll get there eventually anyway (right)?
sorry for all the questions, i'm just so happy I finally got in amex... now the choices start
thank you all!!
@crew99 wrote:Thanks to all you guys here at the forum, I finally was just approved for the amex everyday card last night!!
I called to find out what my limit was and it was only 2,000.
1. Can you call to see if they will increase the starting limit? Or better just to wait for the 61 days CLI You can but it'll probably be another HP so I'd just wait to do the 61 day cli.
2. I applied for the SPG at the same time, and got the pending 4-5 day before processing. Does that mean it already did another hard pull on my credit report? or will it actually do the hard pull at the 4-5 day. If i'm denied I know it's usually a soft pull if you already have a card, but since I just got the everyday would that be different? The HP is probably already done. Not sure if the SP/HP rule will apply in your case since you apped for both at the same time.
3. Is it actually better to cancel the spg app and wait a while to build up my credit with amex and then apply for maybe a much bigger starting CLI for SPG, or with the 61 day CLI it'll get there eventually anyway (right)? Canceling won't make a difference. I'd just wait to hear back about the SPG and go from there with the 61 day cli.
sorry for all the questions, i'm just so happy I finally got in amex... now the choices start
thank you all!!
Congrats.
Congrats on the new card!
@parakleet wrote:
@crew99 wrote:Thanks to all you guys here at the forum, I finally was just approved for the amex everyday card last night!!
I called to find out what my limit was and it was only 2,000.
1. Can you call to see if they will increase the starting limit? Or better just to wait for the 61 days CLI You can but it'll probably be another HP so I'd just wait to do the 61 day cli.
2. I applied for the SPG at the same time, and got the pending 4-5 day before processing. Does that mean it already did another hard pull on my credit report? or will it actually do the hard pull at the 4-5 day. If i'm denied I know it's usually a soft pull if you already have a card, but since I just got the everyday would that be different? The HP is probably already done. Not sure if the SP/HP rule will apply in your case since you apped for both at the same time.
3. Is it actually better to cancel the spg app and wait a while to build up my credit with amex and then apply for maybe a much bigger starting CLI for SPG, or with the 61 day CLI it'll get there eventually anyway (right)? Canceling won't make a difference. I'd just wait to hear back about the SPG and go from there with the 61 day cli.
sorry for all the questions, i'm just so happy I finally got in amex... now the choices start
thank you all!!
Congrats.
Congrats on your approval!!
Since you've app'ed 2 revolvers at the same time, it'll most likely result in 2HPs regardless of if approved or denied, YMMV. The 1HP for 2 cards apply to 1revolver + 1 charge cards. I would wait it out for the 61day 3xCLI, it'll go by fast!
congrats
Grats on your approval OP
Congrats on the Everyday approval and good luck on the SPG app!!!
Congrats!
Thanks parakleet and everyone! Even though it's only 2,000 limit I'm still super excited to be back in amex (although with CS my score was showing 773 so I was bummed with the limit at first). Do I do the backdating after the card arrives? How do I know if it actually backdated?
Congrats on your approval