App'd for HHonors Surpass

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MemberSince99
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App'd for HHonors Surpass

Postby MemberSince99 » Mon Jul 07, 2014 10:03 pm

I emailed my LO and told her I wanted the Amex HHonors card for work travel I have upcoming, and asked if it would be an issue if I applied for it as I don't want to do anything to ruin my mortgage.


She responded that with my profile she did not see it as an issue for me to get the card. She's been doing this for years and wants me to get a mortgage obviously so I took her at her word and app'd for it. I got the 14 day under review message but a minute later the email came that said it was approved. I've always thought the best email you can get is the one from American Express New Accounts that says "Your Card Application has been Approved!".


Once I get it and know the limit I'll update my signature. But I lost my bronze spade. Oh well I was gonna lose it if I get a mortgage anyway....at least I think so. Don't they hard pull again before closing?


MemberSince99
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Postby MemberSince99 » Tue Jul 08, 2014 8:45 pm

I was curious as to the limit. In my wildest dreams I hoped for something in the range of 8 to 10 k but figured that was probably unrealistic. Found out they gave me 9.5k. Very very happy with that.

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djrez4
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Postby djrez4 » Tue Jul 08, 2014 9:36 pm

Not to rain on your app parade, but the Citi Hilton Reserve is, I think objectively, a better premium Hilton credit card. Permanent gold status, better earning, two free nights. The Surpass only offers gold for the first year unless you spend heavily and the spend bonus is less valuable, especially after the devaluation. The only upside is your backdating.
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MemberSince99
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Postby MemberSince99 » Wed Jul 09, 2014 6:20 am

I've read mixed information - one site said like you are that Gold was for the first year then based on spend, but another one said with the Surpass that it was in effect as long as you had the card. So I'm not sure honestly.


I've had Citi though and I can't say I'm overly impressed. Even if their card is better, I'm not a fit for companies like Citi and Discover period so I doubt I'll ever do business with either again, not because I have anything against them but simply because I'm not really their sort of customer and they aren't really my sort of company. I'd rather go with the companies I fit with, regardless of the card.


Not everyone will agree and in fact most will probably disagree, but I'm the one who has to live with my choices in life and that's how I plan to do it. So I don't disagree at all, though I'm uncertain of how long Gold status lasts, but if I have a choice it will be Amex. Good points though.

MemberSince99
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Postby MemberSince99 » Wed Jul 09, 2014 12:30 pm

I found a link which I'll post here which says if you go down to where the Surpass is, that it's Gold elite membership "as long as you have the card".


So, I don't know which is right but that's what this guy says here:


http://www.thesimpledollar.com/best-hotel-credit-cards/

woogs
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Postby woogs » Wed Jul 09, 2014 2:59 pm

My bank did not do a 2nd hard pull of my credit when I closed on my mortgage. Only when I first applied.

As for the Hilton Gold - last year it was you had to spend $20k to keep the Gold. That is no longer the case in 2014 as long as you have the card.


Statement examples:

January 2013:
Your qualifying Year-to-Date spend on your Hilton HHonors® Surpassª Card is $6,035.00. To qualify for Hilton HHonors Gold VIP Status, you need to
have $20,000 qualified spend by December 31st.

March 2013:
Your qualifying Year-to-Date spend on your Hilton HHonors® Surpassª Card is $23,013.00. Congratulations! You have qualified for Hilton HHonors
Gold VIP Status. To qualify for Hilton HHonors Diamond VIP Status, you need to have $40,000 qualified spend by December 31st.

January 2014 (notice no mention of Gold - just immediate mention of Diamond):

Your qualifying Year-to-Date spend on your Hilton HHonorsº Surpass® Card is $9,946.00. To qualify for Hilton HHonors Diamond Status, you need to
have $40,000 qualified spend by December 31st.
American Express: MB Platinum Card, Business Platinum, Business Gold, SPG, Hilton Surpass
Chase: Ink Plus, Ink Bold, Sapphire Preferred, United Mileage Plus, Marriott Premier
Citi: Executive AA World Elite MasterCard, AA Visa Signature, AA Business MasterCard
Barclays: US Airways World Elite, Arrival Card



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