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Established Contributor
Posts: 513
Registered: ‎01-27-2011
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Re: AMEX Approval Scores

Nice, I am liking the feedback on this thread, looks like util has a good amountoffweights no matter what the score.

EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12
Frequent Contributor
Posts: 470
Registered: ‎08-14-2012
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Re: AMEX Approval Scores

BCE approved EX 687!

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Moderator Emeritus
Posts: 11,924
Registered: ‎12-30-2011
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Re: AMEX Approval Scores


jd5189 wrote:

BCE approved EX 687!


That, is frankly pretty sweet :smileywink:.  How long have you had the Zync and/or PRG prior to the BCE approval?

Starting Score: EQ 04 561, TU 98 567, EX 98 599 (12/30/11)
Current Score: EQ 04 700, TU 04 731, EX 98 725 (05/24/15)
Goal Score: 700 on EQ 04 (01/01/16)


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Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012
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Re: AMEX Approval Scores

Approved on 6/25 for bce with EX 676. On 7/01 i got approved for green and denied for SPG. On 8/06 approved for PRGgold.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Regular Contributor
Posts: 236
Registered: ‎01-02-2010
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Re: AMEX Approval Scores

what score do you need for amex gold card ?

Frequent Contributor
Posts: 470
Registered: ‎08-14-2012
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Re: AMEX Approval Scores


Revelate wrote:

jd5189 wrote:

BCE approved EX 687!


That, is frankly pretty sweet :smileywink:.  How long have you had the Zync and/or PRG prior to the BCE approval?


I had the Zync since 10/2010, Approved for PRG and BCE same day with the same EX Fico. Scores are on the low end form high utilization because of student debt but I treated the Zync very well and it apparently paid off!

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
New Member
Posts: 6
Registered: ‎08-21-2012
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Re: AMEX Approval Scores

I honestly don't know what voodoo amex uses for approvals. I just got approved for the $500 limit Zync with a cteditkarma fako of 599 and 71% uti. I'm DEFINITELY not complaining tho!
Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
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Re: AMEX Approval Scores


Mymustangconv wrote:
I honestly don't know what voodoo amex uses for approvals. I just got approved for the $500 limit Zync with a cteditkarma fako of 599 and 71% uti. I'm DEFINITELY not complaining tho!

LOL. Amex Voodoo. Congratulations!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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New Member
Posts: 6
Registered: ‎08-21-2012
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Re: AMEX Approval Scores

Ty!! And that was with 6 in (definitely in garden mode now). Aaoa is about 2 yr and 2 accounts at 7 years old with perfect payment history (the rest are fairly new, but plan on paying down to 1-9% uti asap)
Established Contributor
Posts: 513
Registered: ‎01-27-2011
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Re: AMEX Approval Scores


jd5189 wrote:

BCE approved EX 687!


wow, nice.  Too bad others are going to see a sub 700 getting approved for this card and get excited and get denied.

EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12
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