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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?
@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.
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.
Yup, I've seen 2 members here getting the 2015 MSD even after chat
Wow. Good told my brother on December 6th. He got in. With 2014 msd.
I would wait a few months and let your score grow a bit more before you try applying for AMEX.
@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.
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.
@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?