MrSpin83

3 Contributions 240 People Helped

Member Since: November 2018

Most Helpful Contribution

Platinum Card® from American Express

Jul 28, 2019
Best Reward Card
Helpful to 121 out of 125 people

I am so excited to have this card for many reasons. I had horrible credit about 8 months ago due to a divorce. I worked extremely hard to build my credit up, pay off some negative items and dispute things that were not mine. I keep an eye on this card and the approval chances credit karma gave. When it hit “very good approval” odds I applied and was approved. My trans union score at time was 720 equifax was 721. Do keep in mind that AMEX uses Experian credit FICO score for which my score with them was 660 at the time and was approved. If you travel this is a great card. I received it right before a trip to Chicago and at the airport was able to experience the lounges through priority pass. Also used my Uber credit (you get $15 per month and $20 in December). There are many benefits to this card which makes the $550 fee per year worth it. Not to mention the card it metal and feels and looks really cool :) I feel like I made it with this card. This is a charge card so you are really good to spend daily purchases with it but on the app you can check your spending power and I was able to get approved without contacting AMEX up to $23,000 purchase which I will never do. I highly recommend this card and I’m VERY HAPPY to be an AMEX card holder and member. 

Activity (3 Total Contributions)

Platinum Card® from American Express

Jul 28, 2019
Best Reward Card
Helpful to 121 out of 125 people

I am so excited to have this card for many reasons. I had horrible credit about 8 months ago due to a divorce. I worked extremely hard to build my credit up, pay off some negative items and dispute things that were not mine. I keep an eye on this card and the approval chances credit karma gave. When it hit “very good approval” odds I applied and was approved. My trans union score at time was 720 equifax was 721. Do keep in mind that AMEX uses Experian credit FICO score for which my score with them was 660 at the time and was approved. If you travel this is a great card. I received it right before a trip to Chicago and at the airport was able to experience the lounges through priority pass. Also used my Uber credit (you get $15 per month and $20 in December). There are many benefits to this card which makes the $550 fee per year worth it. Not to mention the card it metal and feels and looks really cool :) I feel like I made it with this card. This is a charge card so you are really good to spend daily purchases with it but on the app you can check your spending power and I was able to get approved without contacting AMEX up to $23,000 purchase which I will never do. I highly recommend this card and I’m VERY HAPPY to be an AMEX card holder and member. 

Capital One® Platinum Credit Card

Jul 28, 2019
Great Credit Builder
Helpful to 119 out of 127 people

I applied for this card 8 months ago when I came to a hard decision that I needed to tackle my credit after a horrible divorce. I started with a credit score of 523/532 and applied for this card because I had when 18 years old applied for a capital one card and had a credit line of $300. I know they are pretty cool with approving individuals with not so great credit, so I applied at 35 years old. I was approved with a credit limit of $500 and used it only for gas. I paid it off every month and obviously kept my utilization below the 30% credit analysts recommend. Capital One offers a monthly payment/ Increase credit line monitoring system and after 5 on time payments they give you a increase and mine was projected at $750 line. When the 5th monthly payment was made they increased my limit to $2,000 :) and it was immediate. My credit score increased due to the new credit line and I couldn’t be happier with it. 

Platinum Card® from American Express

Nov 17, 2019

@Bus5701 not a made up review this is actually my review.

@Credityoudeserve yes you are correct about Uber and I was telling people about the spending power because it helps with embarrassment you do want to put a large purchase on your card and it be declined.