WarCulture

7 Contributions 134 People Helped

Member Since: October 2017

Most Helpful Contribution

American Express Cash Magnet™ Card

Nov 01, 2018
So far so good
Helpful to 63 out of 69 people

665 Avg score across, approved instantly for 2k, not my highest cl by any stretch but just fine with me as I’ve pushed another card from 2k to 12k in a year, I recommend for the unlimited cash back, the bonus is a plus but depending on your cl, going for the bonus may hurt your score if you can’t instantly pay it down.

Activity (7 Total Contributions)

Capital One® Platinum Credit Card

Dec 06, 2018
Pre-approval led to approval
Helpful to 29 out of 29 people

I recieved a pre-approval for this card in the mail with scores around 662. I have one 30-day late from 3 years ago, and no credit cards at that time. I was approved for 2k, I immediately applied again after another offer for this card w/ 1% cashback rewards popped up. I was approved for that card at 1k. About 4-5 months later both limits were raised by 500 without request. I later closed the card with no rewards and blended it to the one with 1% cashback. I've had no trouble with charges, and I've maxed both cards out before. I do not recommend maxing any cards out unless you can PIF. Best of luck!

American Express Cash Magnet™ Card

Nov 01, 2018
So far so good
Helpful to 63 out of 69 people

665 Avg score across, approved instantly for 2k, not my highest cl by any stretch but just fine with me as I’ve pushed another card from 2k to 12k in a year, I recommend for the unlimited cash back, the bonus is a plus but depending on your cl, going for the bonus may hurt your score if you can’t instantly pay it down.

American Express Cash Magnet™ Card

Nov 29, 2018
Helpful to 30 out of 37 people

68% utility, scores around 663, approved for 2k. The web management system is up to par and easy to navigate. I practice AZEO now so my utility has gone down significantly and I should be good for an increase in 61 days

American Express Cash Magnet™ Card

Dec 06, 2018
Helpful to 4 out of 4 people

There are tons of credit card companies that follow six month CLI's, I assume you're not experienced in applying for cards and raising limits. Its doable with any card, American Express is known for a 3x Increase at 61 days, albeit not guaranteed, it is not unusual either. If you're looking for recommendations to follow my formula, I would suggest applying for an Amex.

American Express Cash Magnet™ Card

Nov 29, 2018
Helpful to 4 out of 4 people

Yes indeed. AZEO = All at zero except one, this is in reference to utilization, the one card that reports is usually at <8%, at the time I applied for this card I had taken 3 trips prior. </p>

Capital One&reg; Platinum Credit Card

Dec 09, 2018
Helpful to 3 out of 3 people

A card limit or even raising credit card limits does not increase your score unless this activity will lower your CC utilization. Resposible use of your credit line will eventually allow you to regain your points. Also inquiries never hit for 75pts. Something else lowered your score that much, while the inquiry was displayed in your alert. Inquiries range from 3-20 pts when they hit. Even 20 pts is a stretch

American Express Cash Magnet&trade; Card

Nov 29, 2018
Helpful to 1 out of 2 people

in the case of that card, I was approved for a 2k CL, 61days later I requested an increase at 3x’s the limit, it was approved (6k). Then 6 months from the application date I requested another CLI, which approved to 9k, then 6 months following that I requested another CLI, which approved to 12k. Also marking 1 year since I received the card