Why Amex gave me best rate, but low limit?

[My_Fako]

I apped for PRG was approved, so I tried for Everyday. 

I was approved on my second app, but why would they give me the best Apr 13%... then only give me $1400. you would think I would have the 23% apr.

[kdm31091]

Because with that limit, you can't rack up much of a balance anyway, so they won't be making much off of your interest. So I guess they throw a bone by providing a lower APR.

[My_Fako]

I could use some bones!!!

[My_Fako]

Do they still do x3 at act... or is it back to 61?

[kdm31091]

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@My_Fako wrote:

Do they still do x3 at act... or is it back to 61?

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Nothing is guaranteed regardless of what amount of time passes. You can ask for a CLI pretty much whenever you want, but you don't have to ask for 3x. Don't rely too much on "3x" and "61 days" and such. Some people have asked right away and been told to wait for the account to age a bit though. If denied for a CLI, you do have to wait 90 days.

I'd probably opt to use the account for a few months and show some history, but you do what you feel is best.

[My_Fako]

Is the Amex EveryDay card white? Is it a ugly card in person? Never seen one.

[Anonymous]

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@My_Fako wrote:

Is the Amex EveryDay card white? Is it a ugly card in person? Never seen one.

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It's mostly clear:

[NRB525]

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@Anonymous wrote:

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@My_Fako wrote:

Is the Amex EveryDay card white? Is it a ugly card in person? Never seen one.

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It's mostly clear:

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And yes, it's ugly. Trying to make "clear plastic" that is still somewhat visible is a design step too far to try with this cheap plastic.

The upside is, when you get the contactless chip, the wires inside the card are visible, so it has geek cred. And you can use the reflective chrome center mirror to check your teeth for extra salad, so it saves having to carry a mirror in your wallet.

[Anonymous]

It's definitely hard to read the numbers on the ED.

Looks like these are your only 2 AmEx, but in case it's an issue or for others reading this...re: 3x remember that the timeline count is for any/all AmEx, not for each card. For example when I got my EDP in Sept with a low limit, I had to wait until mid-October to request CLI since I had gone for one on another AmEx in April.

[Kenny]

Possibly income mixed with other limits you already have? It's a combination of things.. not just one, usually.