American Eagle Outfitters™ Credit Card Reviews
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
These reviews were written by current and former cardholders in the last year.
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Throwing away customers
I opened this card with a low-average credit score and a past bankruptcy, granted a $500 limit. I used it consistently but always paid it off, never paid late and a year later they lowered my limit to $150, that's barely even usable. I had some high utilization on other cards but still no lates and my credit was better than ever. I paid off the remaining balance a couple months ago and thought nothing of it until I got a credit alert that a card had been closed. No reason when I called, apparently the underwriter just doesn't want people shopping at AE.
EXCELLENCE.... They gave me a chance...
They work with people rebuilding there credit
Great Card
This card is great. I love American eagle also.
Awful credit limit
I have good credit and good income and for more than a year was only allowed $175 in credit haha. I cancelled this card today!
Just because you have good credit and good income doesn't mean you're going to get a big credit limit. You've probably applied for too many credit cards recently. Synchrony Bank gives small limits to people who do that, better luck next time.
DO NOT GET THIS CARD. I just got denied a credit increase, and I have a decent credit score! My line has been ONLY $150 for over a year. Not worth it!!
Crappy card
I got approved with CL of 350 when my credit score was low like 580 and 6 months later they closed my account because I paid off my bill in full. Seriously screw this company I wont be shopping here or old navy as they did the same. They apparently want you to be in debt.
Beware of AE card
I started with a $1250 credit limit. For the first few months I'd make only the minimum payment. As a result, my reward was an increase in credit limit without even asking! After six months past, I seen my payments was only covering accrued interest and my principal balance wasn't even budging. My card remained close to maxed out because of this. So, I then started paying double the minimum balance and that's when things began rolling down hill. The first thing I noticed was the more I paid off, the more frequent they would reduce my credit limit. I've never known a bank to randomly audit an account that much. So again, I started paying 4x more than the monthly payment without accruing any new debt. My credit was hit even harder and my credit limit was split in half. Now, it reflects 95% utilization rate because I'm close to a zero balance. I'm looking forward to paying this card off and cancelling it. The whole purpose of getting the card in the first place was to build credit, but this card is misleading. They rather you keep this card in frequent use with a steady high balance, than for you pay them and use it only on occasion.