What was your 2nd Amex revolver SL after 1st card in “steps”

[Anonymous]

DH is gearing up to app for his 2nd Amex revolver. His first was the BCE with $500 SL in their version of Steps. He got his cli to $1,000 in Nov and they denied the next one due to credit score. His CR still has a BK13 until June/July.

Now when he pulls up the card offers and clicks apply it says “pre-approved” I’m pretty much every one. He hesitates because he doesn’t want to get stuck with another $500 SL.

Has anyone gotten a 2nd revolver after a $500 SL in steps with a decent limit? Maybe he should wait until his CR is clear of the BK?

[Anonymous]

I was just approved for my first Amex Delta gold card with a 3k SL. I also have a bkcy on my cr

[Anonymous]

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@Anonymouswrote:
I was just approved for my first Amex Delta gold card with a 3k SL. I also have a bkcy on my cr

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Was this your second card with Amex? If so, how long ago did you open your first account?

[dak17]

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1st Amex revolver was the Everyday, $500 SL, EX 700.  Applied 1-29-16 (No mention of credit steps)

A week passes....

2nd Amex revolver was the BCE, $7,000 SL, EX 700. Applied 2-5-16 (its $21,500 today)

Go figure.  I closed the Everyday immediately after getting the BCE.

[MrDisco99]

First card was a BCE with a $4k SL. Two months later I got a 3x CLI to $12k. Two months after that I applied for an EDP and it came with a $20k SL. Since then I got 4 more revolvers and 3 of them came with 5 digit SLs. I love Amex.

[Anonymous]

@dak17 - was there any baddies on your CR? Pretty interesting SL difference for a week!

[dak17]

I had 15  student loan lates, all between 30 -120 days late. (with the most recent late being Dec. 2014)

I had a closed car loan account with some lates, between 30 -90 days late from 2014.

No BK.

[DaveInAZ]

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@MrDisco99wrote:
First card was a BCE with a $4k SL. Two months later I got a 3x CLI to $12k. Two months after that I applied for an EDP and it came with a $20k SL. Since then I got 4 more revolvers and 3 of them came with 5 digit SLs. I love Amex.

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My first card (May 2017) was a BCE with $15k SL. I almost fell out of my chair as the app was when their pre-qual site finally showed me pre-approvals for the first time after 6 years post discharge BK7, Amex not included. With that SL and carrying a 10% utilization balance during the 15 months 0% I've never asked for a CLI.

This February I was approved for an Everyday card, $6k SL. As I did a BT to it & it has 15 months 0% so I requested Amex move $4k CL from BCE to Everyday so my anticipated $4k balance would be well under 50%. Instant approval, now BCE is $11k, Everyday $10k. I also love Amex.

[Anonymous]

Got my Hilton 2 years ago, 5k to start with.
BCE and SPG came a few months ago; 1k for both with scores 40-50 puts higher than the Hilton approval.

[AppHappyTog]

My BCE that I got started with a $500 CL with the 5 statement increase lingo. Applied for SPG two months later and got $1k, 2 statements into the BCE so I knew it would be a lower limit and just hoped it would be a little better.