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Really weird week with Amex

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Frequent Contributor

Re: Really weird week with Amex

I got the Delta sky miles  1k 10 months ago 

Hilton 6 months ago 1k

nov the green card 

dec the gold 

jan the platinum 

and last week the every day card 2k

Message 51 of 55
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Member

Re: Really weird week with Amex

Funny twist to the whole story -- my EX was at 720 last week, but my installment loan hadn't posted yet. 751 as of 10 minutes ago, so no score drop this month as I was anticipating.

 

Maybe Amex won't be as pissed then hehe

Amex Business Platinum NPSL | Amex Gold: NPSL, 2k POT | Apple Card: 1k | CapitalOne Platinum: 2k | Wells Fargo Propel Amex: 2k | Delta Amex Business Gold: 3k | Amex Blue Business Plus: 2k | British Airways Visa (AU) 20k | American Airlines Gold MasterCard (AU) 42k | Amex Blue Cash Everyday (AU) 35k | Chase Ink Preferred (Employee/AU) 32.7k | LendingClub Installment Loan 14k
Message 52 of 55
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Moderator

Re: Really weird week with Amex

Nice!   Open revolving loan and credit mix saves the day!  Fingers still crossed for you.  My hand's gonna cramp up soon, though.

Message 53 of 55
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Mega Contributor

Re: Really weird week with Amex

And for a different view:  worse case, they close one or more cards, which will be unpleasant but not fatal.   Really it's part of easy come easy go.   Yes, a score hit from the new accounts, but not ALL that different from how it was before the spree.

 

Let's hope not, but even in the world of credit, many worse things happen.

Message 54 of 55
Senior Contributor

Re: Really weird week with Amex


@sstromberg wrote:

Funny twist to the whole story -- my EX was at 720 last week, but my installment loan hadn't posted yet. 751 as of 10 minutes ago, so no score drop this month as I was anticipating.

 

Maybe Amex won't be as pissed then hehe



@K-in-Boston wrote:

Nice!   Open revolving loan and credit mix saves the day!  Fingers still crossed for you.  My hand's gonna cramp up soon, though.


Yes, it's a score bump...but it's Amex's assessment of the profile that matters in the end. FICO scores may like an improved credit mix, but they may not be welcomed changes if Amex's concerns are high spending, too much debt, and too much recent credit seeking activity.

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Message 55 of 55
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