CLAUDIA661

I applied for this card with an EX score of 729 and CK says I had Fair odds with a cs of 697. I went to their website to apply to make sure I got the welcome bonus. I was instantly approved for 2k. I think I got a low limit because I only have secured cards and this is my first unsecured one. I have secured BOA and Disco. No collections and a car loan I just payed off. Credit history 11 yrs. Hard Inquires 9. I live in California and 95% of the lenders are pulling Experian so my Experian inquries are terrible. Payment history is at 100% payed on time. Total accounts only 5. Keep your limit to 30% or less and you'll be just fine.

What a second...you went over your limit and your mad at them?? This is number 1s fault...yours.

I have heard of this before with other credit cards. Banks get scared when the bill keeps going up and its not being payed off every week. They feel like the card is being charged up and then the person takes their whole check to pay it off. I'm not saying you would have not payed, I'm just saying they get scared when they see this sometimes. Even though it's a charge card, we still have a limit based on our total credit card limit among all cards.

Update: I spent the 1k for the welcome bonus in two weeks of receiving the card and today I got my statement credit for $200. I thought it was $150 but I'll take it! Thanks AMEX

When you already have an amex card, its a soft pull..so she must already have a different card from them.

I have a boa checking, savings, and business accounts so after 3 weeks of research and reading reviews, I applied with a bottom CS acroos the board of 601. They pulled EQ and EX. I was approved in 60 seconds and got the congrats page. I had put down $400. About 2 weeks later my CS went up 83 points without even making a payment yet. Its a basic card with no rewards but no annual fee. Easy website, great customer service. I want to graduate to their cash rewards card. Right now my CS is 683.

I applied for this card and they pulled EX which was 704. I live in Nevada. My history is 1 yr 3 months. 3 other personal cards that are 8 months old..BOA Secured, Disco, and Amex Cash Magnet. Payment history exceptional. Utilization is exceptional. no collections or public record. I applied for Amazon business (got approved) and then a few hours later the chase business Ink cash and approved for 7k. Love the 0 interest for 12 months. It did not report to my personal consumer report. I did a lot of research online about why its inportant to have a business card and I'm very happy. I will be going for the Ink preferred next.

Actually yes the charge cards do have a limit. After so much spending your card can be turned off. I called amex to ask what my spending power was for this card and they said 10k. I heard its based on your other total spending limit on all cards but I don't know how true this is, but its true for me.

Its only the first 30 days you have to wait. You can also call and make a payments over the phone during the first month.

Never make a payment only one day early...anything can go wrong with any credit card company.