Hello! I've been rebuilding my credit over the past three years with great success. I'd had a Capital One Platinum since time immemorial, and in May of last year I got it "product-changed" to a Quicksilver. That's my main credit card now. In June of last year, I also got a Chase Freedom card, and a Discover IT card. Most recently, I've asked for and received sizable CLIs on the Discover and Quicksilver cards.
I'm content to continue "gardening," but I'm also considering applying for an Amex Everyday card. I've checked their "prequalified offer site" and I have no "offer" for me, but I know that's a meaningless exercise. My goal in getting the card would be to continue building a positive credit profile, and to get my foot in the door with Amex. There are also a lot of restaurants in Brooklyn, where I live, that only take Amex cards (!!!!!!).
Anyways, do you think that's a good idea, or with two one-year-old cards, would this be a sizable hit to my average age of account?
Gardening since May 2015
@ACG23 wrote:Hello! I've been rebuilding my credit over the past three years with great success. I'd had a Capital One Platinum since time immemorial, and in May of last year I got it "product-changed" to a Quicksilver. That's my main credit card now. In June of last year, I also got a Chase Freedom card, and a Discover IT card. Most recently, I've asked for and received sizable CLIs on the Discover and Quicksilver cards.
I'm content to continue "gardening," but I'm also considering applying for an Amex Everyday card. I've checked their "prequalified offer site" and I have no "offer" for me, but I know that's a meaningless exercise. My goal in getting the card would be to continue building a positive credit profile, and to get my foot in the door with Amex. There are also a lot of restaurants in Brooklyn, where I live, that only take Amex cards (!!!!!!).
Anyways, do you think that's a good idea, or with two one-year-old cards, would this be a sizable hit to my average age of account?
What is your current AAOA? It will hurt your score but this seems like in 6 months your score will be near what it is now. I don't see a problem...lets see if Nixon tells you to app now.
Must garden until 2/1/2022 to hit my goal AAOA. 
@DeeBee78 wrote:
@ACG23 wrote:Hello! I've been rebuilding my credit over the past three years with great success. I'd had a Capital One Platinum since time immemorial, and in May of last year I got it "product-changed" to a Quicksilver. That's my main credit card now. In June of last year, I also got a Chase Freedom card, and a Discover IT card. Most recently, I've asked for and received sizable CLIs on the Discover and Quicksilver cards.
I'm content to continue "gardening," but I'm also considering applying for an Amex Everyday card. I've checked their "prequalified offer site" and I have no "offer" for me, but I know that's a meaningless exercise. My goal in getting the card would be to continue building a positive credit profile, and to get my foot in the door with Amex. There are also a lot of restaurants in Brooklyn, where I live, that only take Amex cards (!!!!!!).
Anyways, do you think that's a good idea, or with two one-year-old cards, would this be a sizable hit to my average age of account?
Why would you say that the Amex prequalifer is meaningless? From what this site says, it's fairly reliable.
Oh, I had heard that having prequalified offers is a good indicator you'll be approved, but not having prequalified offers is not a good indicator that you'll be denied. Also, I've opted out of prescreened offers, so I don't think these sites work for me anymore anyways.
Oh, and: How would I go about finding my precise average age of account?
Ah, of course. It puts me at an average age of nearly 5 years. It was seven before these last two applications. That corresponded to about a 10 point drop. I've tried some algebra based on Credit Karma to try to get what my new AAoA would be, but it's not coming out right...
I wouldn't worry too much and I would app right now.
Thank you all for the advice 
. I'll decide which card and when to apply and let you know the results!
Glad I am the only one that thought the OP was asking if he should make an app to AMEX each day. 
