Toasty1221

18 Contributions 1,281 People Helped Top Contributor

Member Since: October 2015

Most Helpful Contribution

Blue Cash Everyday® Card from American Express

Sep 30, 2016
Approved for $15K in 60 seconds!
Helpful to 1186 out of 1304 people

I can't even believe what I'm typing but I'm still in shock. So my CK approval odds were 'Very Good'. But I still hesitated because I did not want to risk an inquiry as I plan to buy a car in the next few months. But the 'Very Good' odds were too tempting so I went on the Amex website and teetered for a few minutes then said, 'what the hell'. I applied and stared with a heavy heart at the screen as it circled around, waiting for their response. Alas, I was approved. When I saw the limit, I thought it said $1,500 but as I looked closer, it was $15,000! Couldn't believe it. 

A little background on me. My CK profile has my TU at 605 and my EQ at 590... yikes! My personal credit cards are: BOFA $1,500; CHASE Freedom $500; and Victoria's Secret $2,500. I should note that my husband got the AMEX Blue Cash Everyday back in 2014 and added me as an AU so on my AMEX profile, it lists me as a memebr since 2014, even though I got my card this month. Perhaps being on his account helped with my approval as he has never had a late payment. I am also an AU on his CHASE Freedom, Southwest VISA SIG, and CHASE Slate. My BOFA CC gives me a monhtly FICO and it lists it at 693 and when I recieved my AMEX card in the mail, they included a form that listed my FICO and the reason for the CL they gave me. AMEX checks Experian and listed my FICO at 680... which shows me just how off Credit Karma is with my actual credit scores. 

I have a total of 8 late payments on my credit report: one from VS in 2014, one from BOFA in 2015, and six from ACS in 15 which I'm trying to remove. I also have one Collection opened in 2014 from comast that I'm disputing. My average age of credit history is 5yrs 2mos. I have 22 total accounts (lots of student loans). 

So all in all, I don't know what AMEX truly looks for. I can't explain why I was approved for so much but am very grateful and happy. I truly hope this review helps, folks. All the best! 

Activity (18 Total Contributions)

Results 1-10 of 18Results per page: 5 | 10 | 25Page 1 of 2   Previous | Next

Chase Sapphire Reserve®

Jun 25, 2017
Approved for $21k Inside Branch!
Helpful to 60 out of 61 people

I applied for this credit card back in March 2017 as I wanted to take advantage of the 100k signup points before it expired and went back to $50K. I saw that I had "very good" odds on CK so I went into the branch and applied. The whole process took less than ten minutes. Although I had a good feeling, I was still a bit nervous but soon the banker informed me that I was approved for $21,000. I should note that I also have a Chase checking account that I opened back in 2014 and opened a Chase savings account the month prior to applying for this card, not sure if that helps or not. I also have a Chase Freedom credit card. When I applied, I received a hard pull on both Experian and Equifax (check your state to see which bureau they pull from). My FICO score at the time was 733. This card is a VISA Infinite card so the minimum credit limit you will get is $10K, the Chase Sapphire Preferred is a VISA Signature card and the minimum credit limit you will get is $5K. As soon as I hit the $4K spend, the 100,000 points showed up on the Chase online portal.

After I was approved, I asked the banker transfer $5k of my new balance to my Chase Freedom credit card. I didn't want to ask for a CLI because Chase does a hard pull for CLI unlike Amex. I added my husband as an authorized user so my annual fee is $525 which showed up on the first statement, you have to pay it on the first due date. The $300 travel credit is applied each time you make a qualifying purchase. I already have TSA pre-check but I did apply for the Global Entry and paid for it with my new card and the $100 credit was applied to my account once the purchase posted. My husband and I use this card solely for restaurants and anything travel related; for all other purchases, we use our Chase Freedom cards. We each have our own and will combine points when we redeem them for travel (you get more out of your Freedom points if you transfer them to your Chase Sapphire Reserve card). I'm gardening for the next few months but plan to apply for the Chase Freedom Unlimited next for everyday purchases so that I can take advantage of the 1.5% cash back when the Chase Freedom quarterly bonus is not applicable. I think these three cards together are the best way to accumulate the most points to maximize your travel if that's what you're in to. 

My background: Average age of credit history is 5yrs 6 months; total inquiries before applying: Equifax 0, Experian 1; Total late payments on Experian & Equifax 8, my utilization was under 20% on both and I have 0 collections, 0 public records and 23 total accounts (some credit, some installment). Credit Cards: Amex Blue Cash $25K, BoFA $4,500, Chase Freedom was $1,500 now $5,500, Victoria's Secret $2,500. I'm also an authorized user on five of my husband's credit cards: Amex Blue Cash $12K, Chase Slate $2,900, Chase Freedom $3,800, and Chase Southwest VISA Sig $10K. 

Hope this review helps, folks. All the best!

Blue Cash Everyday® Card from American Express

Sep 30, 2016
Approved for $15K in 60 seconds!
Helpful to 1186 out of 1304 people

I can't even believe what I'm typing but I'm still in shock. So my CK approval odds were 'Very Good'. But I still hesitated because I did not want to risk an inquiry as I plan to buy a car in the next few months. But the 'Very Good' odds were too tempting so I went on the Amex website and teetered for a few minutes then said, 'what the hell'. I applied and stared with a heavy heart at the screen as it circled around, waiting for their response. Alas, I was approved. When I saw the limit, I thought it said $1,500 but as I looked closer, it was $15,000! Couldn't believe it. 

A little background on me. My CK profile has my TU at 605 and my EQ at 590... yikes! My personal credit cards are: BOFA $1,500; CHASE Freedom $500; and Victoria's Secret $2,500. I should note that my husband got the AMEX Blue Cash Everyday back in 2014 and added me as an AU so on my AMEX profile, it lists me as a memebr since 2014, even though I got my card this month. Perhaps being on his account helped with my approval as he has never had a late payment. I am also an AU on his CHASE Freedom, Southwest VISA SIG, and CHASE Slate. My BOFA CC gives me a monhtly FICO and it lists it at 693 and when I recieved my AMEX card in the mail, they included a form that listed my FICO and the reason for the CL they gave me. AMEX checks Experian and listed my FICO at 680... which shows me just how off Credit Karma is with my actual credit scores. 

I have a total of 8 late payments on my credit report: one from VS in 2014, one from BOFA in 2015, and six from ACS in 15 which I'm trying to remove. I also have one Collection opened in 2014 from comast that I'm disputing. My average age of credit history is 5yrs 2mos. I have 22 total accounts (lots of student loans). 

So all in all, I don't know what AMEX truly looks for. I can't explain why I was approved for so much but am very grateful and happy. I truly hope this review helps, folks. All the best! 

Chase Sapphire Preferred® Card

May 20, 2018
Helpful to 6 out of 6 people

You can call Chase and have them shift some of the credit limit from your new Sapphire to your Freedom. I did it with two of my Chase cards.

The Amex EveryDay® Credit Card from American Express

Nov 17, 2016
Helpful to 6 out of 6 people

Budget Lush is right... But with this card, they're offering 0% purchase APR for the first 12 months. So for 12 months, you won't be charged interest on your purchases if you choose to carry a balance into the next statement/month. Also, I think your friend is referring American Express "charge cards". With charge cards, you have to pay your balance in full each month. But the Everyday Amex card is not a charge card so you can carry a balance from month to month and remain in good standing as long as you pay the minimum balance each month.

Blue Cash Everyday® Card from American Express

Feb 02, 2017
Helpful to 5 out of 5 people

You have to wait until you get your first statement. It shows up on all three credit bureaus.

Chase Sapphire Reserve®

Jun 19, 2017
Approved in Branch for $21K!!!
Helpful to 4 out of 4 people

I applied for this credit card back in March 2017 as I wanted to take advatange of the 100k signup points before it expired and went back to $50K. I saw that I had "very good" odds on CK so I went into the branch and applied. The whole process took less than ten minutes. Although I had a good feeling, I was still a bit nervous but soon the banker informed me that I was approved for $21,000. I should note that I also have a Chase checking account and recently opened a Chase savings account the month prior to applying, not sure if that helps or not. I also have a Chase Freedom credit card. When I applied, I received a hard pull on both Experian and Equifax (check your state to see which bureau they pull from). My FICO score at the time was 733. This card is a VISA Infinite card so the minumin credit limit you will get is $10K, the Chase Sapphire Preferred is a VISA Signature card and the minimum credit limit you will get is $5K. As soon as I hit the $4K spend, the 100,000 points showed up on the Chase online portal. 

After I was approved, I asked the banker transfer $5k of my new balane to my Chase Freedom credit card. I didn't want to ask for a CLI because Chase does a hard pull for increases unlike Amex. I added my husband as an authorized user so my annual fee is $525 which showed up on the first statement, you have to pay it on the first due date. The $300 travel credit is immedateily applied each time you make a qualifying purchase. I already have TSA pre-check but I did apply for the global entry and paid for it with my new card and the $100 credit was applied to my account once the purchase posted. My husband and I use this card soley for restaurants and anything travel related; for all other purchases, we use our Chase Freedom cards. We each have our own and will combine points when we redeem them for travel (you get more out of your Freedom points if you transfer them to your Chase Sapphire Reserve card). I'm gardening for the next few months but plan to apply for the Chase Freedom Unlimited next for everyday purchases so that I can take advangate of the 1.5% cash back when the Chase Freedom quarterly bonus is not applicable. I think these three cards together are the best way to accumulate the most points to maximize your travel if that's what you're in to. 

My background: Average age of credit history is 5yrs 6mos; total inquiries before applying: Equifax 0, Experian 1; Total late payments on Experian & Equifax 8, my utilization was under 20% on both and I have 0 collections, 0 public records and 23 total accounts (some credit, some installment). Credit Cards: Amex Blue Cash $25K, BoFA $4,500, Chase Freedom was $1,500 now $5,500, Victoria's Secret $2,500. I'm also an authorized user on five of my huband's credit cards: Amex Blue Cash $12K, Chase Slate $2,900, Chase Freedom $3,800, and Chase Southwest VISA Sig $10K. 

Hope this review helps, folks. All the best!

Blue Cash Everyday® Card from American Express

Apr 07, 2017
Helpful to 3 out of 3 people

I recently set up auto pay on my Amex Blue Cash and I received and email the next day from Amex stating that the auto pay would not kick in until the following month, it even showed the exact date the payment would be made. Did you receive an email after setting up your auto pay?

BankAmericard® Credit Card

May 27, 2017
Helpful to 2 out of 2 people

It's a balance transfer card; that's the benefit.

Chase Slate®

May 06, 2017
Helpful to 2 out of 2 people

That's because it's a balance transfer card...

Citi Simplicity® Card

Mar 08, 2017
Helpful to 2 out of 2 people

You can't get something for nothing. If you want to run up your credit card close to the limit and then carry the balance for a while, your credit will take a hit because you're telling the creditor that you're desperate for credit. Credit Utilization, just like payment history has a high impact on your score regardless if your other cards have a low utilization ratio; each individual credit card's utilization affects your score.

Results 1-10 of 18Results per page: 5 | 10 | 25Page 1 of 2   Previous | Next