iameric

5 Contributions 35 People Helped

Member Since: August 2009

About Me: Take care of your credit no matter what, it can help you if you are ever in a jam. Rainy days only last so long.

Most Helpful Contribution

SimplyCash® Plus Business Credit Card from American Express

Feb 06, 2019
Great and inexpensive
Helpful to 15 out of 15 people

This is a business card WITH owners PG. To establish Corp credit get this card or similar for two years THEN with 2 yr tax records and good pmt history - APPLY for any of the AMEX CORPORATE cards. Those are WITHOUT owner PG.

I have 4 Amex cards, best customer Svcs, the benies are average as any other but get the card that compliments your spending and take advantage of its strengths.

Activity (5 Total Contributions)

SimplyCash® Plus Business Credit Card from American Express

Feb 06, 2019
Great and inexpensive
Helpful to 15 out of 15 people

This is a business card WITH owners PG. To establish Corp credit get this card or similar for two years THEN with 2 yr tax records and good pmt history - APPLY for any of the AMEX CORPORATE cards. Those are WITHOUT owner PG.

I have 4 Amex cards, best customer Svcs, the benies are average as any other but get the card that compliments your spending and take advantage of its strengths.

The Amex EveryDay® Credit Card from American Express

Dec 27, 2015
Victory
Helpful to 13 out of 14 people

3 mos ago, approval for $1k. With 684TU/690EQ/693EX Kept balance less than $100 when statement generated.last week, I went and asked for increase-approval for $5k , I got $3k total. At increase to$3k all scores were 702TU/700/EQ/710EX.

Just now checked within 4 days of increase to $3k Amex.....743TU/742EQ and I don't know yet Experion because I'm too busy cleaning up my mess from ****ting on myself seeing a 45 point increase!
Four years(5 actually) I've been hovering in the 650-680s for the 2 here and right at 700 on Experion. Amex is the key once you have all the others.

Chase Sapphire&freedom-both at $9k 7mos
Discover $4k 5yo
CrapOne $2500 7yo
Jared $11k 1.5 yo
Amex $3k 3mos
Furniture store $4.5k 5mos old

Secret to increasing score: use your card and pay as you go. When statement cycles to print your statement, only have less than $100. On my chase freedom I have a 3800 balance I've been carrying for the 15 mos free 0%period, paying 1k per mo. The rest 0 balance. This Amex was the clincher.

My advice to all reading, be patient, do what I wrote and be patient. Also I have a lien from irs for $23k that's 5yrs old working on OIC arrangement with a leased car in the last year of 3yr lease and a new to me used truck loan for $25k that's 6mos old.

Even when life happens and you don't panic, be patient - your numbers will improve. Take care of your business by being smart-it's a marathon. Write me if you need advice.

The Amex EveryDay® Credit Card from American Express

Dec 27, 2015
Victory
Helpful to 2 out of 2 people

3 mos ago, approval for $1k. With 684TU/690EQ/693EX Kept balance less than $100 when statement generated.last week, I went and asked for increase-approval for $5k , I got $3k total. At increase to$3k all scores were 702TU/700/EQ/710EX.

Just now checked within 4 days of increase to $3k Amex.....743TU/742EQ and I don't know yet Experion because I'm too busy cleaning up my mess from ****ting on myself seeing a 45 point increase!
Four years(5 actually) I've been hovering in the 650-680s for the 2 here and right at 700 on Experion. Amex is the key once you have all the others.

Chase Sapphire&freedom-both at $9k 7mos
Discover $4k 5yo
CrapOne $2500 7yo
Jared $11k 1.5 yo
Amex $3k 3mos
Furniture store $4.5k 5mos old

Secret to increasing score: use your card and pay as you go. When statement cycles to print your statement, only have less than $100. On my chase freedom I have a 3800 balance I've been carrying for the 15 mos free 0%period, paying 1k per mo. The rest 0 balance. This Amex was the clincher.

My advice to all reading, be patient, do what I wrote and be patient. Also I have a lien from irs for $23k that's 5yrs old working on OIC arrangement with a leased car in the last year of 3yr lease and a new to me used truck loan for $25k that's 6mos old.

Even when life happens and you don't panic, be patient - your numbers will improve. Take care of your business by being smart-it's a marathon. Write me if you need advice.

The Amex EveryDay® Credit Card from American Express

Sep 25, 2015
Helpful to 2 out of 2 people

Don't cut your cards up once you get a better limit, amex is known for decreasing credit limits for no good reason. Many of us fled, that's why they lowered the standard. Keep your old cards, just use amex until they cut your limit.

The Amex EveryDay® Credit Card from American Express

Sep 29, 2015
Helpful to 3 out of 4 people

You can do the balance transfer for 0% only for the first 30 days, starting at the moment of approval-be careful..this is amex, you are at the adult table now.