American Eagle Outfitters™ Credit Card Reviews

Approval Odds

Sign up or log in to see your Approval Odds

2.1 out of 5 stars
7 Reviews

From Cardholders in the last year

Sign up or log in to see your Approval Odds

ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL

Application Process

4 out of 5 stars

Customer Service

2.5 out of 5 stars

2 5
Collapse

These reviews were written by current and former cardholders in the last year.

Apr 24, 2019
Throwing away customers
jinxd Cardholder

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.

more ...
Dec 18, 2018
EXCELLENCE.... They gave me a chance...
MN18 Cardholder

They work with people rebuilding there credit

more ...
Nov 16, 2018
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!

more ...

Was this review helpful?

 
1 Reply
Dec 04, 2018

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.

 
Sep 28, 2018
KingKy21 Cardholder

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!!

more ...
Sep 18, 2018
Crappy card
Jmontiel85 Cardholder

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.

more ...
Jun 24, 2018
Beware of AE card
Anonymous Cardholder

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.

more ...
Add a Review

Add Your Review

I Own It I Had It I Applied

Please state your experience.

How would you rate this card overall?

Please select a rating

What should others know about this card?

Optional

How was application process?

How was customer service?

See Your Approval Odds Before You Apply

Sign up for a free membership, and Credit Karma can estimate your chances of approval based on your credit profile. You’ll also get:

  • Credit scores and reports
  • Credit monitoring
  • Personalized recommendations
 

American Eagle Outfitters™ Credit Card