Approved for American Express Clear Credit Card
Guest: aman74
Post subject: Approved for American Express Clear Credit Card
Posted: Tue Apr 25, 2006 10:23 pm
[quote="QikPass"]Amex has a range when you apply. If you uncomfortable, fudging about your income, just remember that you need to use the "household" income. That includes the dogs income...(dosent your dog earn at least 60 000?).
I prefer the AMEX Blue (not blue cash), as it gives 0% on purchases and balance transfers for 15 months with a faily decent rate after the 0% is up. Of course at that time, if u still carrying a balance, call them and ask to have your rate lowered.
Process for CL increase at activation is as follows. Apply online for the card. When you get your card, dont activate the card via the automated number. Call the number on the back of the card and speak to a CSR.tell them you want to activate the card, but to do so you need to have the limit increased . They will ask how much you want, ask them whats the max u can get . AMEX usually matches or goes over your highest current card limit.
You can also include the balances you want to transfer with your online application, saves you some time and kinda almost guarantees that you'll get that large limit...especially since you already have a high score and a decent record of credit.
Note that AMEX gives up to 25 000 without needing to verify income, so use that as you maximum that your asking for.
Good Luck..[/quote]
Applied today for Clear. Got a pretty low limit of 5800 via the online app. I will call when I get the card like you mentioned. One thing I did notice is that the 0 APR isn't on balance transfers. Just purchases for 12 or 15 months. But 3.99 fixed for life of transfer is nice.
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Guest: QikPass
Credit Expert (100+ Posts)
Posted: Wed Apr 26, 2006 8:05 pm
Congratulations.
When u call them, ask " What is the most I am pre-approved for?" And let them give u that limit. One month later, just click on the credit limit increase button online and see if you will get another increase. They allow increases usually every month. If a form pops up, hit cancel and wait till the end of your next statement period.
Good Luck.
_________________
Fortune Favors The Bold...
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Guest: aman74
Posted: Fri Apr 28, 2006 4:32 pm
[quote="QikPass"]Congratulations.
When u call them, ask " What is the most I am pre-approved for?" And let them give u that limit. One month later, just click on the credit limit increase button online and see if you will get another increase. They allow increases usually every month. If a form pops up, hit cancel and wait till the end of your next statement period.
Good Luck.[/quote]
Thanks, I just thought 5800 was kinda low. Hopefully it will go well on the phone. Thanks for your help and I'll update when I find out.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Post subject: Approved for American Express Clear Credit Card
Posted: Tue Apr 25, 2006 10:23 pm
[quote="QikPass"]Amex has a range when you apply. If you uncomfortable, fudging about your income, just remember that you need to use the "household" income. That includes the dogs income...(dosent your dog earn at least 60 000?).
I prefer the AMEX Blue (not blue cash), as it gives 0% on purchases and balance transfers for 15 months with a faily decent rate after the 0% is up. Of course at that time, if u still carrying a balance, call them and ask to have your rate lowered.
Process for CL increase at activation is as follows. Apply online for the card. When you get your card, dont activate the card via the automated number. Call the number on the back of the card and speak to a CSR.tell them you want to activate the card, but to do so you need to have the limit increased . They will ask how much you want, ask them whats the max u can get . AMEX usually matches or goes over your highest current card limit.
You can also include the balances you want to transfer with your online application, saves you some time and kinda almost guarantees that you'll get that large limit...especially since you already have a high score and a decent record of credit.
Note that AMEX gives up to 25 000 without needing to verify income, so use that as you maximum that your asking for.
Good Luck..[/quote]
Applied today for Clear. Got a pretty low limit of 5800 via the online app. I will call when I get the card like you mentioned. One thing I did notice is that the 0 APR isn't on balance transfers. Just purchases for 12 or 15 months. But 3.99 fixed for life of transfer is nice.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: QikPass
Credit Expert (100+ Posts)
Posted: Wed Apr 26, 2006 8:05 pm
Congratulations.
When u call them, ask " What is the most I am pre-approved for?" And let them give u that limit. One month later, just click on the credit limit increase button online and see if you will get another increase. They allow increases usually every month. If a form pops up, hit cancel and wait till the end of your next statement period.
Good Luck.
_________________
Fortune Favors The Bold...
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: aman74
Posted: Fri Apr 28, 2006 4:32 pm
[quote="QikPass"]Congratulations.
When u call them, ask " What is the most I am pre-approved for?" And let them give u that limit. One month later, just click on the credit limit increase button online and see if you will get another increase. They allow increases usually every month. If a form pops up, hit cancel and wait till the end of your next statement period.
Good Luck.[/quote]
Thanks, I just thought 5800 was kinda low. Hopefully it will go well on the phone. Thanks for your help and I'll update when I find out.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 5:49 AM
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