AMEX & Chase Application Questions

[Anonymous]

tbh don't like the rewards but it's okay i guess.

I like the CL and the NPSL feature though. I've tried up to 9k above my CL and the charges went through, so there's a good wiggle room for me to work with.

Which citi card did you get?

[LS2982]

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@kblatt wrote:

On a lighter note, just apped & approved for a Citi Thank You preferred with a $6.5k limit, they only pulled EQ.

That gives me a Chase MileagePlus ($8k), Discover IT ($8k), and now the Citi ($6.5k) in addition to my existing cards that included a BofA Visa ($4k) and my CapOne cards.  The three high limit cards I received withinin the last 45 days.

Amex's reasons for denial were complete non-sense.  I'm sure if they had actually looked at my EX and EQ reports they claimed they never pulled, I would have been approved.  

Their loss, you can find me in the garden.

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CONGRATS on your TYP approval!! 

[kblatt]

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@Anonymous wrote:

tbh don't like the rewards but it's okay i guess.

I like the CL and the NPSL feature though. I've tried up to 9k above my CL and the charges went through, so there's a good wiggle room for me to work with.

Which citi card did you get?

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I got the ThankYou Preferred.  I wasn't aware of the NPSL option.  Thanks for the heads-up!

[kblatt]

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@LS2982 wrote:

CONGRATS on your TYP approval!! 

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Thank you!!!

[09Lexie]

Congrats on TYP!

[kblatt]

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@09Lexie wrote:
Congrats on TYP!

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Thanks a ton

[HiLine]

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@kblatt wrote:

On a lighter note, just apped & approved for a Citi Thank You preferred with a $6.5k limit, they only pulled EQ.

That gives me a Chase MileagePlus ($8k), Discover IT ($8k), and now the Citi ($6.5k) in addition to my existing cards that included a BofA Visa ($4k) and my CapOne cards.  The three high limit cards I received withinin the last 45 days.

Amex's reasons for denial were complete non-sense.  I'm sure if they had actually looked at my EX and EQ reports they claimed they never pulled, I would have been approved.  

Their loss, you can find me in the garden.

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Congratulations! That's a GREAT portfolio! 

[kblatt]

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@HiLine wrote:

Congratulations! That's a GREAT portfolio! 

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Appreicate it 

[kblatt]

As promised, I said I'd update this thread when the AMEX dispute wrapped up.

I got a letter Friday from AMEX notifying me they were going to remove the EQ and EX hard pulls from my respective credit reports.  They said EQ and EX by law would have to remove the information within 90 days of receiving the request.

So that about sums it up... for anyone else in a similar situation as me, be sure to CALL AMEX if you see a HI on all three reports and confirm they did actually pull these reports and used all three when considering your application approval or denial.  

For me, if I had never have called and just assumed they pulled all 3, I would have an extra hard inquiry on 2/3 of my reports.