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Chances of AMEX Approval?

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morenaroxx
Established Member

Chances of AMEX Approval?

Hello All,

 

I'm seriously considering applying for an AMEX CC before the end of 2014 (for backdating purposes). However, I'm not sure if I would be approved and I don't want to waste a HP. Below is my current EX profile:

 

Score: 700 (as of 12/24)

Inquiries: 8 (6 from car shopping in June of this year, 2 CCs)

New Accounts: 6 (2 auto loans, 2 student loans, 2 CCs)

Negatives: 0 collections however, 1 charged off account, 6 years old & due to fall off Nov 2015).

 

I'm looking into apping for one of the cards I have heard are easier to qualify for like the Delta AMEX of AMEX Gold or Green.

 

I know my score is within the right range however, I'm concerned about the other factors on my report. 

 

Do you guys think I have a good chance of approval?

 

 

 

Starting (06/19/14): EQ FICO 614, EX FICO 619, TU CAP1 578
Current (12/24/14): EQ FICO 750, EX FICO 700, TU CAP1 670
Goal: 800+
Wallet: Cap1 Venture ($10,000), DCU Visa ($5,000), Chase Freedom ($2,500), AMEX Delta ($2,000), Merrick Visa ($1,200), VS ($350)
Message 1 of 20
19 REPLIES 19
Anonymous
Not applicable

Re: Chances of AMEX Approval?


@morenaroxx wrote:

Hello All,

 

I'm seriously considering applying for an AMEX CC before the end of 2014 (for backdating purposes). However, I'm not sure if I would be approved and I don't want to waste a HP. Below is my current EX profile:

 

Score: 700 (as of 12/24)

Inquiries: 8 (6 from car shopping in June of this year, 2 CCs)

New Accounts: 6 (2 auto loans, 2 student loans, 2 CCs)

Negatives: 0 collections however, 1 charged off account, 6 years old & due to fall off Nov 2015).

 

I'm looking into apping for one of the cards I have heard are easier to qualify for like the Delta AMEX of AMEX Gold or Green.

 

I know my score is within the right range however, I'm concerned about the other factors on my report. 

 

Do you guys think I have a good chance of approval?

 

 

 


I think you have a decent chance of approval, but...It appears that approvals from the 21st and out are getting 2015 MSD dates. Good luck though if you still want to try.

Message 2 of 20
morenaroxx
Established Member

Re: Chances of AMEX Approval?

Really? If that's the case I probably I'm probably better off waiting to app in 2015 after my inquires and accounts age a bit. 

Starting (06/19/14): EQ FICO 614, EX FICO 619, TU CAP1 578
Current (12/24/14): EQ FICO 750, EX FICO 700, TU CAP1 670
Goal: 800+
Wallet: Cap1 Venture ($10,000), DCU Visa ($5,000), Chase Freedom ($2,500), AMEX Delta ($2,000), Merrick Visa ($1,200), VS ($350)
Message 3 of 20
ojefferyo
Valued Contributor

Re: Chances of AMEX Approval?

Yup, I've seen 2 members here getting the 2015 MSD even after chat

Amex Platinum, Amex Hilton HHonors Surpass, Chase Southwest Premier, Chase Marriott Rewards Premier, Discover IT, Sony Visa, Barclay Arrival+ MC, Cabela Visa, Walmart SC, Amazon SC, Kohls, Diners Club Premier, PayPal Credit, PenFed Platinum Reward Visa, PenFed PLOC, Chase Ritz Carlton, Citi TY Premier, Amex BCP, Discover Miles, Care Credit, Blue Nile SC, iComfort SC, Cap1 Venture, Chase Hyatt, Lowes, US Bank Cash+, Citi Costco Visa
Message 4 of 20
taxi818
Super Contributor

Re: Chances of AMEX Approval?

Wow. Good told my brother on December 6th. He got in.  With 2014 msd. 

Message 5 of 20
abhowmick18
Valued Member

Re: Chances of AMEX Approval?

I would wait a few months and let your score grow a bit more before you try applying for AMEX.

Message 6 of 20
Anonymous
Not applicable

Re: Chances of AMEX Approval?

Yes your MSD will be 2015 . On in the middle of trying to convince Amex to give me the 2014 . Last guy I talked to said it shouldn't be a problem . Il let you guys know how it goes .
Message 7 of 20
Jarrodpd
Regular Contributor

Re: Chances of AMEX Approval?


@ojefferyo wrote:

Yup, I've seen 2 members here getting the 2015 MSD even after chat


Do you know what month is on their card? Is it December or January? Im waiting to apply for a Platinum, But I want it backdated to January of 2014.

USAA Platinum Mastercard: $8000
American Express HHonors no AF: $12000
American Express Premier Rewards Gold: NPSL
American Express Platinum: NPSL
US Bank Cash+ Visa Sig: $5100|Chase Freedom: $7000|Chase Sapphire Reserve: $10000
Total combined CL:$42,100|Exp: 763(788Amex)|Equ: 759|Tu: 769 (04 May 2016)
Message 8 of 20
TRC_WA
Senior Contributor

Re: Chances of AMEX Approval?

I was approved today... Scores and INQs are in sig... I got a $5k Delta Gold.  Forums said it was easiest to get... Not sure which CRA they pulled... Waiting on alert.

 

Yes I am too close to the end of the year... MSD 2015.

 

 

FICO8 current as of : ----- EQ: --- TU: --- EX: ---
Hard INQs last 12 months: EQ: 5 | TU: 7 | EX: 9
Verizon Visa $6500 Amex Delta Platinum $10,000 Care Credit $12,000
NFCU CashRewards $6000 Apple Card $2000 Best Buy $3500 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) $44k new - balance $31k/6.94%
Total CL: $45,000 --- Total CC UTI: --% --- AAoA: 5.5 years --- Income: $200k
Last app: 11-30-23
Message 9 of 20
Jarrodpd
Regular Contributor

Re: Chances of AMEX Approval?


@TRC_WA wrote:

I was approved today... Scores and INQs are in sig... I got a $5k Delta Gold.  Forums said it was easiest to get... Not sure which CRA they pulled... Waiting on alert.

 

Yes I am too close to the end of the year... MSD 2015.

 

 


Do you know if your month will be January?

USAA Platinum Mastercard: $8000
American Express HHonors no AF: $12000
American Express Premier Rewards Gold: NPSL
American Express Platinum: NPSL
US Bank Cash+ Visa Sig: $5100|Chase Freedom: $7000|Chase Sapphire Reserve: $10000
Total combined CL:$42,100|Exp: 763(788Amex)|Equ: 759|Tu: 769 (04 May 2016)
Message 10 of 20
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