CLAUDIA661

23 Contributions 190 People Helped Top Contributor

Member Since: November 2013

Most Helpful Contribution

American Express Cash Magnet® Card

Mar 15, 2019
Easy application
Helpful to 105 out of 110 people

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.

Activity (23 Total Contributions)

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American Express Cash Magnet® Card

Mar 15, 2019
Easy application
Helpful to 105 out of 110 people

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.

Citi® Secured Mastercard®

Feb 09, 2019
Helpful to 12 out of 12 people

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

Platinum Card® from American Express

Sep 30, 2019
Helpful to 9 out of 9 people

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.

American Express Cash Magnet® Card

Apr 17, 2019
Helpful to 7 out of 7 people

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

American Express Cash Magnet® Card

Mar 14, 2019
Helpful to 12 out of 13 people

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

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