Physh1

1,196 Contributions 160 People Helped Top Contributor

Member Since: June 2015

Most Helpful Contribution

The Amex EveryDay® Preferred Credit Card from American Express

Aug 04, 2016
Happy with approval for $8k
Helpful to 35 out of 35 people

I just applied today for this card & was instantly approved for $8000. I'm 15 months into a heavy focus on rebuilding my credit which I destroyed in 2008/2009 when I lost my job. This card joins my recently approved Discover IT, Barclay CashRewards World MC, & Cap1 QS cards. I started 15 months ago with a Cap1 secured card & now I'm here.

My approval was based on these facts plus whatever Amex looks for...Experian Fico 8 score is 754 (which Amex uses), $80k income, 4 fresh hard inquiries, and short AAoA.

I was hesitant to apply. as I'd had Gold & Platinum charge cards that were closed (in good standing) by Amex because of my late defaulting on other cards & Credit Karma said my chances of approval were poor. My Credit Karma Vantage 3.0 scores were 737 for Transunion & 747 for Equifax. My credit scores have jumped over 150 points in the last year or so & this approval really made me happy. I'm looking forward to the everyday bonuses & rewards package which does suite my spending habits well. For now I give this 4 stars simply because.

Activity (1196 Total Contributions)

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The Amex EveryDay® Preferred Credit Card from American Express

Aug 04, 2016
Happy with approval for $8k
Helpful to 35 out of 35 people

I just applied today for this card & was instantly approved for $8000. I'm 15 months into a heavy focus on rebuilding my credit which I destroyed in 2008/2009 when I lost my job. This card joins my recently approved Discover IT, Barclay CashRewards World MC, & Cap1 QS cards. I started 15 months ago with a Cap1 secured card & now I'm here.

My approval was based on these facts plus whatever Amex looks for...Experian Fico 8 score is 754 (which Amex uses), $80k income, 4 fresh hard inquiries, and short AAoA.

I was hesitant to apply. as I'd had Gold & Platinum charge cards that were closed (in good standing) by Amex because of my late defaulting on other cards & Credit Karma said my chances of approval were poor. My Credit Karma Vantage 3.0 scores were 737 for Transunion & 747 for Equifax. My credit scores have jumped over 150 points in the last year or so & this approval really made me happy. I'm looking forward to the everyday bonuses & rewards package which does suite my spending habits well. For now I give this 4 stars simply because.

Capital One® Secured Mastercard®

Jun 21, 2016
Life happened, needed rebuilding, A+++++
Helpful to 27 out of 28 people

So I had great credit for a long time but long story short I lost my job & was really strugging for a few years along with an ongoing legal issue. My credit took a serious dive...into the high 500's. I went without a card for a while but realized I needed one for security & just in case moments.

After reading the reviews here I chose this secured MC. I got an initial $300 limit, added more security deposits to get me to $500, & a few months later I got an increase to $1000.

It's been a little over a year with this card & I was approved for a Amazon Prime credit line for $800. My TransUnion score as of today is up over 80 points & my Equifax is up over 50 points. I plan on keeping this card & applying for an unsecured card soon...for now this has been a perfect card. High interest is a given...manage it well & it won't hurt.

Getting this card has given me a new chance when many years ago I thought my credit was a lost cause. I don't write lots of reviews but this card, in every way possible, has been a life changer.

The Amex EveryDay® Preferred Credit Card from American Express

Aug 04, 2016
Happy with approval for $8k
Helpful to 12 out of 12 people

I just applied today for this card & was instantly approved for $8000. I'm 15 months into a heavy focus on rebuilding my credit which I destroyed in 2008/2009 when I lost my job. This card joins my recently approved Discover IT, Barclay CashRewards World MC, & Cap1 QS cards. I started 15 months ago with a Cap1 secured card & now I'm here.

My approval was based on these facts plus whatever Amex looks for...Experian Fico 8 score is 754 (which Amex uses), $80k income, 4 fresh hard inquiries, and short AAoA.

I was hesitant to apply. as I'd had Gold & Platinum charge cards that were closed (in good standing) by Amex because of my late defaulting on other cards & Credit Karma said my chances of approval were poor. My Credit Karma Vantage 3.0 scores were 737 for Transunion & 747 for Equifax. My credit scores have jumped over 150 points in the last year or so & this approval really made me happy. I'm looking forward to the everyday bonuses & rewards package which does suite my spending habits well. For now I give this 4 stars simply because.

Credit Card on Account went delinquent though NOT my fault, can I get it removed?

Feb 10, 2017
Helpful to 7 out of 7 people

It's your card & therefore your responsibility to keep up with your accounts. Blaming the cc company will get you nowhere. My suggestion would be to write a goodwill letter explaining politely why you didn't pay the bill. Continue with stating you appologize for missing the fees and ask for a courtesy removal of the remarks in reference to the fees. This doesn't always work but many have good success with goodwill letters,

How many times can a car be repossessed

Aug 12, 2017
Helpful to 4 out of 4 people

As many times as you put yourself in a situation where repossesion is an option...

how to enroll for free protection since credit hack

Sep 16, 2017
Helpful to 3 out of 3 people

Equifax is the only bureau currently offering a free credit freeze. You'll need to pay transunion and experian to freeze those reports.

Very confused, Capital One Venture Card

Dec 11, 2016
Helpful to 3 out of 3 people

Yes, it could have triggered a fraud alert. I would look for the 'backdoor number' for Capital One and talk to a rep...see if they need more info or contact the 'executive office' to look into this. Now, a 7-10 day message doesn't mean your approved but it certainly doesn't mean your declined. Be proactive and make a phone call or email.

Amazon.com Store Card

Jul 12, 2016
Great card if you manage it well...
Helpful to 2 out of 2 people

I'm in the process of sucessfully rebuilding my credit. I'd had a secured Cap1 card for nearly a year when I applied for this card. I spend a ton with Amazon so it made sense. I awas initially approved for $800...not great but I had low expectations.

I just went through my 4th billing cycle & have used the card heavily & carried a small balance through each cytcle. After reading on here about Syncrony I held off on using the "request more" button & went for the live chat. A qucik 5 minute conversation where I asked to be bumped to $4000 (I went conservaticve as opposed to adivce read to aim high) was granted.

The increase was immediately seen on my account. Interest is high on this card but if you manage that well with the financing/cash back rewards you'll come out on top. Carrying a large balance will likely hurt. With that in mind I've been nothing but happy with this card so far. Applying was easy, managing online & through Amazon is easy, & the live chat is super simple making CLI requests painless.

if i have done nothing wrong why has my score gone down

Nov 20, 2017
Helpful to 2 out of 2 people

You dont have to do anything wrong for a score to drop. New accounts cause a drop, new inquiries cause a drop, high balances can cause a drop. There are dozens of variables to consider...not all are bad.

want a Master Card

Dec 19, 2016
Helpful to 2 out of 2 people

It's available in both. I have the Visa but a quick search showed an app for the MasterCard version.

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