I have both the AE store and AE Visa credit card I applied years ago just on a whim (it was my B-day) with a CL of 2400 and 5300 respectively over time. I shop frequently at AE and though the APR is high it's what you'd usually expect out of a store credit card, right? I always pay on time and in full each month and unlike the others who have negatively reviewed this card I'll review the positives of this card. One is the rewards. If you love shopping here than that's at least a plus as you can earn a $10 coupon for every $25 spent plus a 15, 20, 30, or 40% off coupon for every dollar spent in every quarter from the year. Another is the CL increases which in the long run help your credit score. If you're fully and fiscally responsible with your credit and spending habits of course you won't run into problems and that also applies generally when you think about it. When I first applied for the store credit card I started VERY LOW at $200 but eventually into $850 and finally $2400. I made small purchases and paid them off constantly. Anything and everything will help to build an excellent credit score which in the end I've achieved in a few years. If you're impatient, don't shop AE as much, aren't responible with spending, quick to judge, or ambivalent about this card don't bother getting it. It's just like any other store credit card you can apply for. But if your into looking at the brighter side of things and try to look into the positives give it a shot. What do you have to lose if you take of things?
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Most Helpful Negative Review
I got my card in January and they only gave a measly $150 credit limit. Even though I paid my parlance in full monthly and have had a zero balance for the last 2 or 3 billing cycles they still haven't increased my limit. I've even been issued a card with a $4000 limit since then from a different issuer and my score has significantly increases since being issued the american eagle card. Sometimes companies need to apply some common sense to their credit processes. I would probably even do more business with them if they gave a higher limit. Oh well, I'm sure they will figure it out one day. Probably right around the time they stop outsourcing their customer service to india or Pakistan...
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