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Schwab Investor Card (Amex)

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Well...  I've been in the garden since last July and I told myself I'm only coming out when the Schwab Amex became available.  I know there are better cards out there, but Schwab has been good to me from a customer service perspective, and I've been pleased with Amex the past year in collecting MR points with my PRG.  So, I applied and was approved for.... 

 

$20,000.00 Smiley Very Happy

 

This is my highest SL for any card!!!  The only card with a higher limit is my SPG which almost took me a full year to get to 25k.  Anyways.  A couple things to mention:

 

I have a checking, IRA, and Investor account with Schwab.  The checking (rarely used) is backup to my primary and I opened my Rollover IRA last year.  However, I don't think that made a difference in their decision, as the process seemed like I was applying for an Amex and not Schwab (Yes, I was at schwab.com and I had to login into my Schwab account).  At first, it didn't show my CL after it told me I was approved, so I went through the process of getting my card number.  There, it showed my limit!  Thereafter, I received an email from Amex. Not Schwab.  So, I was able to add my card to my Amex account and confirm that my limit was indeed $20k.

 

Other details... They pulled Experian (Description says Amex not Schwab Bank), I had a total of 6 inquiries.  Again, the last one being from July 2015, and the oldest from Dec. 2014.  Well, that's it! I'll remove my gold spade now... Smiley Tongue


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