Very satisfied with the application and approval process - fast and easy!
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This company tells you to apply because your odds are good then the did not approve ... if my credit was good I would not even think to apply to this company... I thought they wanted to help people with bad credit..so do not waste time to apply if your credit is bad
If you're a frequent traveller on United this card is awesome. No more having to wait for group 5 boarding anymore, and the free checked bag is a nice addition (even though I am a premier member so it's kind of moot). BUT... the interest rate I was given was the highest of all my cards (>20%). Gonna talk with Chase and get them to lower it.
I received an offer in the mail for bonus miles for being a Skymiles member. I was hesitant to apply because I've certainly heard my share of "no's" on my credit rebuilding journey. I read reviews on this site and noticed the lending criteria was more relaxed for this card then other Amex's. My Experian FICO score was 652 at the time of application. Per the reviews, Amex tends to pull Experian, and that is absolutely the one of mine that was pulled. I was shocked to be approved for the starter $1000 credit line. This is such a victory in my credit journey and I can't wait to get the card and take advantage of the benefits!