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OMG! Can't believe it worked!
DW applied for 3x CLI, from $9,400 to $28,200, instant approval!
It was on her Amex Blue everyday card.
Her FICO scores:
Exp : 789
TU : 798
Eq : 806
Card used lightly over last 61 days, PIF always. She wants to achieve credit pimp status in the next year!!
Thank you fellow CB'ers for all the great advice! (special shout out to BobWang, Ubercat, mendlesshon, HoustonLynne, CV91915, SecretAgentWoman)
Trying to keep it short ...
I have been away for a while. Came back this week to say hi in GD. Started reading around in CF and saw this thread:
The Master Blacklist Black List Thread – Work In Progress, Help Needed
Now, I haven't applied for an Amex since 2007. Back then, the CO was no longer on my reports. Only denied because of internal blacklist. Not sure when it actually CO'd.
So, I thought WTH. I'll try. Applied for the Everyday card because it looked kind of cool.
FACO on TU is 721. The rest are unknown.
I do have quite a few other cards at this point with about $50k total in CLs ranging from $500 (Target) up to $25k (USAA).
I was approved for $2k. Eh. Not great. But, I am back in. Don't know if that is good or bad yet.
Then I start reading about D*. Hmmm. Better check that out. Click the chat button and ask if I can get my Member Since date set back to my original. Sure Mr. D. Let me look that up for you. Is **** correct? Yes sir, that sounds about right. New date shows online before we finish the chat.
Boom, a brand new CL from 1998.
Once again, thanks CB. You guys are awesome as usual
Anyone ever had any luck offsetting an AMEX annual fee or getting some kind of a retention bonus? I recently called the main line with regard to an annual fee on my BCP, and both the CSR and a supervisor told me that there was nothing they could do or offer me, despite my suggestion that I was seriously considering cancelling or at least downgrading the card to the no-annual-fee version.
Just wondering if I should try my luck again with a different CSR or if there is a different number that I should call that would be more successful. As always, any feedback and help is greatly appreciated. Thanks!
There are usually a lot of questions about why to apply for new Amex cards in January, particularly this time of year. Below is a brief explanation.
When you have an Amex log in, you have a "Member Since" date. For example, here is what mine looks like when I log in to my account.
Once you have established a "Member Since" date, every new Amex you open will show as being opened in the MS year. For example, every Amex I open reports as being opened in 1992. A new Amex will report the month that it was opened with the MS date as the year.
For example, let's assume a MS date of 2013 and two different scenarios for opening a second card.
MS date 2013
Amex 2 opened December 2014
Amex 2 reports as opened December 2013
reports as 1 year old
MS date 2013
Amex 2 opened January 2015
Amex 2 reports as opened January 2013
reports as 2 years old
If you have a really young MS date, you can see why applying in January can help you boost your AAOA over time. Waiting 1 month in this example nets another year of account age.
If you don't have an Amex, it is wise to get one before the year ends to lock in a MS date.
If you have a young MS date, it is wise to wait until January to take advantage of the account age as much as possible.
Just wondering if anyone can give me their opinion on an EASY Amex to qualify for. I am gearing up for my own App Spree and am considering Macy's or Dillard's, though I know these aren't Prime Cards, I am wondering if they are even worth app'ing for or if I am missing others. FYI, I am not going to app with BofA or PenFed as I don't believe they aren't a viable option for me at this time (In recent App Spree DW was Declined at PenFed and BofA gave her a $3k Rewards card). Again, any input is greatly appreciated. On a side note, am I understanding correctly, that ANY Amex gets you into the Centurion Lounges for $50? So Macy's or Dillard's would qualify?
And I have seen the thread on Non Centurion Amex, I'm just asking for personal opinion on perhaps the easiest card to get or your favorite. Again, Thanks!