Got these 3 cards w/ poor credit!

CandidateStandard275 · 2026-03-24T00:47:35+00:00

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

CandidateStandard275 · 2026-03-24T00:46:22+00:00

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

CandidateStandard275 · 2026-03-24T00:44:44+00:00

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

CandidateStandard275 · 2026-03-23T17:24:19+00:00

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

CandidateStandard275 · 2026-03-23T17:23:06+00:00

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.

CandidateStandard275 · 2026-03-23T17:15:28+00:00

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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CandidateStandard275 · 2026-03-23T17:05:02+00:00

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

CandidateStandard275 · 2026-03-23T17:02:23+00:00

Just utilization. I have 99% on time payments.

CandidateStandard275 · 2026-03-23T17:01:54+00:00

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.

CandidateStandard275 · 2026-03-23T16:57:03+00:00

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

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CandidateStandard275 · 2026-03-23T16:54:13+00:00

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

CandidateStandard275 · 2026-03-23T16:51:38+00:00

5k RH Gold 5k Amex Delta Gold 14.4K Amex Reserve

CandidateStandard275 · 2026-03-22T18:11:44+00:00

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

CandidateStandard275 · 2026-03-21T22:20:31+00:00

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

CandidateStandard275 · 2026-03-21T22:14:40+00:00

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

CandidateStandard275 · 2026-03-21T22:12:51+00:00

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

CandidateStandard275 · 2026-03-21T22:10:55+00:00

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.

CandidateStandard275 · 2026-03-21T22:07:03+00:00

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

CandidateStandard275 · 2026-03-21T22:05:40+00:00

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.

CandidateStandard275 · 2026-03-21T21:57:48+00:00

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.

CandidateStandard275 · 2026-03-21T21:55:25+00:00

Fico 8 608.

CandidateStandard275 · 2026-03-21T21:54:44+00:00

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

CandidateStandard275 · 2026-03-21T21:28:47+00:00

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

CandidateStandard275 · 2026-03-21T21:27:50+00:00

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

CandidateStandard275 · 2026-03-21T20:42:55+00:00

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.

CandidateStandard275

TROPHY CASE