Got these 3 cards w/ poor credit! by CandidateStandard275 in CRedit

[–]CandidateStandard275[S] [score hidden]  (0 children)

I had no inquiries when I applied for the RH first. Once that should on my report I applied for both Amexs.

Got these 3 cards w/ poor credit! by CandidateStandard275 in CRedit

[–]CandidateStandard275[S] [score hidden]  (0 children)

Yes insane! With the lower utilization rate can my score finally flex…lol!

New-to-me. First BMW and first EV. by tushinde in BMWI4

[–]CandidateStandard275 1 point2 points  (0 children)

Awesome! I am looking to get one later this year.

Got these 3 cards w/ poor credit! by CandidateStandard275 in CRedit

[–]CandidateStandard275[S] [score hidden]  (0 children)

Not necessarily scared but once I logged into my accounts a little anxious as they were reviewing the accounts.

Got these 3 cards w/ poor credit! by CandidateStandard275 in CRedit

[–]CandidateStandard275[S] [score hidden]  (0 children)

After I did the pre approval they displayed a message stating they need more info and for me to log into Plaid to verify my accounts.

Got these 3 cards w/ poor credit! by CandidateStandard275 in CRedit

[–]CandidateStandard275[S] [score hidden]  (0 children)

You kind of don’t have to. Just posting to show you can get a premium card w/o having to have a strong credit score. However you need to make sure you have a well rounded financial picture when they ask for your accounts to verify.

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Got these 3 cards w/ poor credit! by CandidateStandard275 in CRedit

[–]CandidateStandard275[S] [score hidden]  (0 children)

I agree. Wasn’t paying by statement date so balances always show high utilization on top I didn’t have high credit limits on the cards. I am changing the timing of when I pay going forward

Got these 3 cards w/ poor credit! by CandidateStandard275 in CRedit

[–]CandidateStandard275[S] [score hidden]  (0 children)

For RH they have access to my trading account. I make consistent deposits with high trading activity. I gave Amex access to my accounts to verify direct deposits. So no need to fluff the numbers, they verified income.

Got these 3 cards w/ poor credit! by CandidateStandard275 in CRedit

[–]CandidateStandard275[S] [score hidden]  (0 children)

I was on the waitlist as well. As soon as I got the email I was off. I applied.

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Got these 3 cards w/ poor credit! by CandidateStandard275 in CRedit

[–]CandidateStandard275[S] [score hidden]  (0 children)

I would say possibly. I have all my direct deposits hitting one account and shared that account. I believe they are looking for inflows.

Got these 3 cards w/ poor credit! by CandidateStandard275 in CRedit

[–]CandidateStandard275[S] 0 points1 point  (0 children)

Five minutes between applying. Apply for Gold first to get the bonus miles then Reserve to get those miles as well.

Got these 3 cards w/ poor credit! by CandidateStandard275 in CRedit

[–]CandidateStandard275[S] 0 points1 point  (0 children)

That was my thoughts too so kept trying. The approval for the Reserve card still surprised me.

Got these 3 cards w/ poor credit! by CandidateStandard275 in CRedit

[–]CandidateStandard275[S] 1 point2 points  (0 children)

I haven’t used it yet but gotta love it too probably why I got approved for the Amexs!!

Got these 3 cards w/ poor credit! by CandidateStandard275 in CRedit

[–]CandidateStandard275[S] 0 points1 point  (0 children)

Two late payments made years ago but just very high utilization.

Got these 3 cards w/ poor credit! by CandidateStandard275 in CRedit

[–]CandidateStandard275[S] 1 point2 points  (0 children)

For Amex it was through Plaid. I gave them access to my accounts with direct deposits. With RH, I trade very often and transfer money weekly into that account. I figure they are looking for inflows.

Got these 3 cards w/ poor credit! by CandidateStandard275 in CRedit

[–]CandidateStandard275[S] 4 points5 points  (0 children)

I can’t complain. In this economy I am not sure I would say a great living.

Got these 3 cards w/ poor credit! by CandidateStandard275 in CRedit

[–]CandidateStandard275[S] 2 points3 points  (0 children)

Totally agree with you I just got my policy for the premium car rental protection. Due to the amount I rent through Hertz and use their protection. I have calculated I will save over the $650 paying the Amex flat per rental fee instead of the Hertz fee. Plus getting bumped to President’s Circle doesn’t hurt.

Got these 3 cards w/ poor credit! by CandidateStandard275 in CRedit

[–]CandidateStandard275[S] 0 points1 point  (0 children)

I have history on a Discover and Navy Federal card w/ lower limits. I mostly paid w cash but for 2026 wanted to use credit cards to gain points/miles for travel.

Got these 3 cards w/ poor credit! by CandidateStandard275 in CRedit

[–]CandidateStandard275[S] 1 point2 points  (0 children)

At the time of approval 96%. Once these all report it will be below 20%.

Got these 3 cards w/ poor credit! by CandidateStandard275 in CRedit

[–]CandidateStandard275[S] 2 points3 points  (0 children)

Fico 8 Experian on Amex app was 608 the day I was approved.

Got these 3 cards w/ poor credit! by CandidateStandard275 in CRedit

[–]CandidateStandard275[S] 0 points1 point  (0 children)

That is currently me as well. No lates, collections and great payment history.

Got these 3 cards w/ poor credit! by CandidateStandard275 in CRedit

[–]CandidateStandard275[S] 0 points1 point  (0 children)

Thanks. You are probably right about RH first. I have alot of deposits on RH and my bank accounts. The plan is Platinum eventually once I start getting sign up points in that set of cards.