From what I've read and experienced myself their preapprovals are pretty solid. Discover It (Student) $1500 | Capital One QS $2300 | Amex BCE $4800 | Chase FU $3200 | Amex Green NPSL | CSP $4200 | Discover it $3000Car loan w/ Langley 3.5%Homeowner since April 2023Starting Score...
During a debit transaction, approval depends on if the person has enough money in the account. But with a credit card, the bank is first covering the purchase, with hopes that the user will pay off the loan on time. Standard vs. Rewards CardPremium rewards credit cards have among the ...
I have a similar profile (income, TCL, scores) but Amex loves me - they gave me 2 NPSL and 3 revolver pre-approvals in the past month. OTOH, Chase really hates me - can't get a major Chase card from them - only got a few aged co-branded cards....
That doesn't mean you were denied. You can easily check the status of your application at any time online. Here's how you do it and the steps you can take to turn your “pending” or even possibly a rejection into an approval. This is what I saw for a recent American Express card...
Note: American Express has a maximum limit as to the number of AMEX cards you can owe. Though AMEX says that approval really depends on your credit. Average age of your accounts: This is a card for experienced users. If your other card accounts are still pretty new, this doesn't give ...
I also had a loan from myself to the business in and out of my account . My average balance for the past 5 months was about 30k in my bank account from my initial start up money. All this appeared as solid cash flow for the past 3-4 months when they linked to the acco...
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%Total CL: $64,000 --- Total CC UTI: 27% --- AAoA: 5.5 years --- Income: $200kLast app: 4-6-24 Message 20 of 23 0...
Share secured loan reporting $3,000 Monthly net income $6100 Congrats on your Credit One approval. Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatusTotal Revolving CL- $211, 000 | Order of Opened CardsDelta SkyMiles Blue- SL...
If the payments on your credit cards are higher than your new loan payment, you would decrease your DTI calculation so you may see a benefit there, albeit small. One other note of caution, unlike other loans say with a CU, if you prepay some payments, AMEX still requires your next ...
I'll leave my data points below and would like some input as to my approval chances for the AMEX BCE or BCP (I'm pre-qualified for both) as well as what kind of SL I should expect. Chase Freedom Unlimited ($500 SL) (5 yrs and 6 months old) Barclaycard with Apple Rewards ($2,...