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  1. #1
    Centurion Member
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    Mar 2010
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    Australia
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    Default So I went out and did it...

    Good morning all,

    Last night I applied online for https://www.americanexpress.com/au/c...iscovery-card/

    I have applied for a card last year with American Express which was https://www.americanexpress.com/au/c...-express-card/ however this time I lowered my credit limits by 22k to try and get the card and also I am applying for a credit not a charge card.

    I have also paid off my car loan as well so hopefully I can get approved - only setback is that I have been at my current job for 3 months - lets see what the next few days bring with getting approved (hopefully) for the card.
    Non credit card accounts:

    Main transaction: http://citibank.com.au/aus/banking/e...ibank_plus.htm
    Secondary transaction: http://www.nab.com.au/wps/wcm/connec...Finance/5/1/2/

    Credit cards:

    Main credit card (used for everything except those non AMEX places: https://www.americanexpress.com/au/c...-express-card/
    Secondary credit card: http://www.nab.com.au/wps/wcm/connec...nce/4/56/#tab1
    Other line of credit: http://citibank.com.au/aus/lending/l...eadycredit.htm
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  2. #2
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    Jul 2012
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    1,220

    Default

    You went out and did two things that will, in general, lower your credit scores, in an attempt to get a new card?
    - Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -
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  3. #3
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    Australia
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    Default

    I succeeded - lowering my limits helped - I asked amex - because last time I applied my limits were so high it went against me too much. I got approved with $3900 limit
    Non credit card accounts:

    Main transaction: http://citibank.com.au/aus/banking/e...ibank_plus.htm
    Secondary transaction: http://www.nab.com.au/wps/wcm/connec...Finance/5/1/2/

    Credit cards:

    Main credit card (used for everything except those non AMEX places: https://www.americanexpress.com/au/c...-express-card/
    Secondary credit card: http://www.nab.com.au/wps/wcm/connec...nce/4/56/#tab1
    Other line of credit: http://citibank.com.au/aus/lending/l...eadycredit.htm
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  4. Centurion Member
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    Jul 2012
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    Default

    Congrats on the approval.

    They must do things differently down under. In the States, high limits with other lenders (showing responsible use) is a plus for most card issuers.
    - Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -
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  5. #5
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    Default

    Quote Originally Posted by djrez4 View Post
    Congrats on the approval.

    They must do things differently down under. In the States, high limits with other lenders (showing responsible use) is a plus for most card issuers.
    Thanks - they do things a lot differently here compared to there. Having high limits with good usage still can go against you if the income you recieve is not really high. There are so many differences !!
    Non credit card accounts:

    Main transaction: http://citibank.com.au/aus/banking/e...ibank_plus.htm
    Secondary transaction: http://www.nab.com.au/wps/wcm/connec...Finance/5/1/2/

    Credit cards:

    Main credit card (used for everything except those non AMEX places: https://www.americanexpress.com/au/c...-express-card/
    Secondary credit card: http://www.nab.com.au/wps/wcm/connec...nce/4/56/#tab1
    Other line of credit: http://citibank.com.au/aus/lending/l...eadycredit.htm
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  6. #6
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    May 2012
    Location
    Atlantic City, NJ
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    340

    Default

    Quote Originally Posted by djrez4 View Post
    Congrats on the approval.

    They must do things differently down under. In the States, high limits with other lenders (showing responsible use) is a plus for most card issuers.
    Thats true, but sometimes high limits in relation to income can be seen as high risk to lenders. I've been denied a few times for no stated reason other than having too much available credit.

    Congratulations on the approval, fantasy86dj!
    Now she's eyeless.
    The snakes she held once
    Eat up her hands.
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  7. #7
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    Australia
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    Default

    Thanks - I am kinda on cloud 9. I might post a picture next week when I get it.
    Non credit card accounts:

    Main transaction: http://citibank.com.au/aus/banking/e...ibank_plus.htm
    Secondary transaction: http://www.nab.com.au/wps/wcm/connec...Finance/5/1/2/

    Credit cards:

    Main credit card (used for everything except those non AMEX places: https://www.americanexpress.com/au/c...-express-card/
    Secondary credit card: http://www.nab.com.au/wps/wcm/connec...nce/4/56/#tab1
    Other line of credit: http://citibank.com.au/aus/lending/l...eadycredit.htm
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