I posted two prior reviews, one on the application process and one since having the card. I have had the card two months now. On my 60th day (4/9/17) I applied for a CLI (read reviews and everyone said they applied after 60 days and got 3X the current limit) so I was told I had to wait until the day after 60 days. Well, I applied and it is true I was approved for 3 times my original limit. I started with 2k which I was initially surprised anyway due to my credit score (thought it would be more like $500) and now I am at 6K. I read some comments that people do not believe that individuals are getting these limits. I can attest this is true, when I was initially approved I had a 659 credit score with three collections, several store cards, subprime credit cards and 27% utilization. I now have a 673 Experian score and 1% utilization across all accounts. I follow the recommendations of charging and paying off in full so I only charge what I was going to pay in cash anyway (monthly bills, gas, etc). Do the prequalifier first!
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0% for 12 Months
- Balance Transfer Regular APR 14.24% - 25.24%* Variable
- Annual Fee $95
- Purchase Intro APR 0% for 12 Months
- Purchase Regular APR 14.24% - 25.24%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
I applied for this card back in September of 2016. Got approved for 5000 CL. My credit score on my reports were close to a 700 average for all 3 credit reporting companies. Last month (10-17) American Express took it upon themselves to lower my credit limit to 500 dollars. I made ALL my payments on time, payed off a big balance transfer and even used it on a vacation to Mexico. I payed it off and didn’t use it for about 3 weeks because I was trying to save money. I got an email one day saying I had been declined. When I called the guy was extremely rude and said he would have to run my credit again to make sure I could keep the 500, WHAT! Don’t be fooled. Just because it’s american Express, there are 100 better credit cards out there especially with way better customer service. My credit karma is still reporting TU: 703 equifax: 699. Utilization is 13%. Don’t fall for this card just because of them name.
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Sample Size: 1,642
Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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