@mongstradamus wrote:
@myjourney wrote:
@mongstradamus wrote:
@myjourney wrote:
@mongstradamus wrote:
@myjourney wrote:
@mongstradamus wrote:
@myjourney wrote:
@mongstradamus wrote:
@lg8302ch wrote:None of my approvals were instant except for Cap1
... always needed some verification and got approved .. so not necessarily means denial .. good luck
so wasn't all doom and gloom like i first thought , got amex preferred also with 15 month of 0% apr, which i was pretty suprised about. I think afterwards it would be 12.99 % not that bad with all things considered. actually discover it was the biggest stickler looks like because of the one CO account i had from 2007, but all in all i can't complain much :-)
So approved right?
yes sir was approved, didn't get the highest credit limit but its an start. I am wondering how backdating my new preferred card would work. I had an old amex with my dad but its now closed from 1995, can i back date it to that and would that increase my AAoA ?
Congarts and head on home to the garden
Reminder always recon when in doubt
Call and ask about your member date don't mention backdating
would like to thank you guys especially myjourney for the guidence. I even asked the guy about backdating but he said he couldn't do anything about since he didn't have the information in front of him, he said he only did approvals :-( yes no apping for many months or maybe even years :-). my initial goal was just to get some good cash back cards , so i think i have achieved that
Wait until you get the card call the number on the back and then tell them what I just told you and you should be good to go on the date/backdating issue
i am kind of confused about backdating because i am an au on my mothers costco amex card and i called to back date my card and they just did it for date i asked for , and they didn't really ask many questions. Now that i got my new card sent with the 1995 member date will that effect my aaoa. Or is it just something that shows up only on the card?
It will help AAoA bravo
How do I tell if my AAoA has changed will score watch pick that up?
I don't use score watch but look for your AAoA to jump and possibly a scoring bump but that could be offset by the new INQ and TL reporting but trust me 1995 was a good year in your case 
Congrats on your successful spree
Thanks i am still actually pretty surprised with the success, i didn't really think i would get BCP. Always heard that amex can be an little strict, but luckily they took me in the CL isn't the best but hopefully with in 3 months i can try for 3x. I am hoping once i get my BCP card i can back date that so will offset all the new accounts i got this summer. Its off the garden for me once i activate these cards i don't think i will need anything new for an while.
I wonder what amex use to calculate interest? My CS is 725-733-765 and yet I got a staggering 18.99%. Kind of sad!
@bigbang91 wrote:I wonder what amex use to calculate interest? My CS is 725-733-765 and yet I got a staggering 18.99%. Kind of sad!
I was an bit surprised when he told me my interest rate. I thought it was going to be really high like discover gave me. I can't complain though I will see when I get my card in two weeks or so if that is actual interest rate
@mongstradamus wrote:
@bigbang91 wrote:You can try to call the backdoor number for amex and discover. I did same as you 2 weeks ago, i app for chase, BoA, Amex, and amazon. I got approved all
were you able to get instant approvals for all of them ? Or did you have to call backdoor number. I thought i would have been okay with discover because my equifax was highest of all my fico scores. they kept on sending me pre approvals an few times an week, so that made me pretty sad.
i got instan approval from amex, call backdoor number to verify my identity with chase+ amex, and they approved me as soon as i verified all the information