Credit Cards

[LS2982]

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Juan123 wrote:

screw amex. denied 3 times on the zync card,  first time my EX score was 642, 2nd time 678 3rd time 697

All three times my Util was below 10% and they stated that as one of the reasons, the other 2 reasons were too many INQ's (3 out of 7 being amex >_<) and high balance on installment loan (which is a student loan on deferrment)

Grrrr.. i'm not applying till atleast july.. maybe a bday present for myself

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This next time will be my 3rd try...............no student loans but my EX FICO should be at 710 or higher. I have 14 INQ's last 2 were from AMEX.

[payingoffdebt001]

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Juan123 wrote:

screw amex. denied 3 times on the zync card,  first time my EX score was 642, 2nd time 678 3rd time 697

All three times my Util was below 10% and they stated that as one of the reasons, the other 2 reasons were too many INQ's (3 out of 7 being amex >_<) and high balance on installment loan (which is a student loan on deferrment)

Grrrr.. i'm not applying till atleast july.. maybe a bday present for myself

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AWE MAN!! Wish you had posted this before I pulled the trigger - my scores are lower for sure and I have like 13 inquiries on experian.  OH well..guess I need a big flat denial to bring back to reality that I belong in the garden! lol 

[Cdnewmanpac]

I know op was looking for people approved for revolvers, but thought i would add anyway: approved Friday for zync, over phone, instant approval. Haven't seen my ex fico in over a year, but plus is 699. 3 Inq, 1 from 3/11(final underwriting for mortgage), 2 from 12/11 ( cap 1, chase). 5 cards (thought first prem was reporting as closed, but I was wrong), 1% util, AAoA 5 yrs 10 mos. 3 co from 2007 (06 dfd), 1 settled collection 1/11 (from one of the co), 1 Perkins loan with major derogatories, since pif. 14 other trade lines with no negatives. No late payments since 07. Dti 28%, income >100k. Hope this helps. Oh, and I never got any offers (including their web preapproval site).

[minimock]

DECLINED!!!!! LOL, Teletrack AGAIN,

Its funy thought my last 6 inqs are al AMEX,

But I did get my complimentry FICO score 732.

[hateAshbury]

sucks, dood

732 is a good score

[FicoTron]

Nice , this thread is heating up.

[FicoTron]

This thread welcomes all Amex app experiences, charge cards and revolvers

[xboxrunner]

I was approved for my Amex Green with a 610 EX. I did however receive a Pre-Selected offer in the mail. Fast forward to a month ago, I had to recon, but was approved for a Amex BCE with a 722 EX fico.

[LS2982]

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minimock wrote:

DECLINED!!!!! LOL, Teletrack AGAIN,

Its funy thought my last 6 inqs are al AMEX,

But I did get my complimentry FICO score 732.

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Have you tried resolving whatever teletrack item they are talking about???

[FicoTron]

610 and approved for a green? Wow. Did you have any negs at the time?