SamIamck

4 Contributions 86 People Helped

Member Since: October 2013

Most Helpful Contribution

American Express® Gold Card

Nov 08, 2019
Not bad
Helpful to 78 out of 83 people

I checked through Amex website to see if I was pre approved before a HP. It said I was pre approved so I went ahead and applied and I was approved. Great charge card with great cash back. For Amex, they pull Experian so be mindful. If CK says the approval odds are good, check your EXP report as that is they bureau they pull from. TU 740, EQ 746 EXP 670. Before know which Bureau each lender uses, I applied for so many cards which all used EXP which is why that score is significantly lower then the rest. 

Activity (4 Total Contributions)

American Express® Gold Card

Nov 08, 2019
Not bad
Helpful to 78 out of 83 people

I checked through Amex website to see if I was pre approved before a HP. It said I was pre approved so I went ahead and applied and I was approved. Great charge card with great cash back. For Amex, they pull Experian so be mindful. If CK says the approval odds are good, check your EXP report as that is they bureau they pull from. TU 740, EQ 746 EXP 670. Before know which Bureau each lender uses, I applied for so many cards which all used EXP which is why that score is significantly lower then the rest. 

Chase Freedom Unlimited®

Nov 08, 2019
Helpful to 2 out of 2 people

Second person to say this. Reconsidering applying !

Journey® Student Rewards from Capital One®

Jun 22, 2016
Helpful to 2 out of 2 people

Not true. Score was 585 approved for quicksilver. My score after 5 months jumped to 618 applied for a venture approved with 2500 limit.

American Express® Gold Card

Nov 08, 2019
Helpful to 4 out of 5 people

Charge cards have no limits only spending power