No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I am a student with limited income but was approved for BCE about a year ago for $3000. Experian in the 720s at the time. Tried for CLI at 8 months was denied.
Applied for Starwood card after 10 months with BCE, approved for $5000 with most favorable terms (therefore no credit score provided). I did notice Amex softing me like crazy during the past couple months, probably b/c of this new account and 2 others. They never softed me before now. Like always, I PIF at statement closing and make an additional payment beforehand if my balance exceeds 10% utilization from purchases that month. Hopefully they will relax soon. Just b/c I got some new credit cards doesn't mean I will default on you Amex!
I want to apply for an AMEX card, but I am not sure if I will get approved. I pulled my score from My FICO and my TU score is at 658 and my EX score is 657. Also the week after, I opened up a credit union account and they pulled my credit score from TU and it says I have a +720. So I was wondering if I can get approved for an AMEX card.
Scores in sig. I tried for Amex on 2/1 and walked away empty handed. Not sure if it was the card I applied for (can't remember which), but they seem to be the card I won't have for a while longer yet.
Also applied for AMEX, but since still rebuilding/average scores as of yet, I applied for the Zync and was denied with a 671 Equifax. They counteroffered with a prepaid card. Things being as they are, it only makes sense to build a credit history with a personalized prepaid AMEX just like a secured card and try again about a year later!
just got approved for AMEX Hilton Honors with 689 Transrisk score. 2k starting limit
@Anonymous wrote:Also applied for AMEX, but since still rebuilding/average scores as of yet, I applied for the Zync and was denied with a 671 Equifax. They counteroffered with a prepaid card. Things being as they are, it only makes sense to build a credit history with a personalized prepaid AMEX just like a secured card and try again about a year later!
They countered with a Pre-paid debit card, or a Pre-paid Zync (which I have at least heard rumors of)?
Any stories of people getting approved by an AMEX card without having had a Zync first?
Follow my financial journey: http://www.frugalrican.com
@FrugalRican wrote:Any stories of people getting approved by an AMEX card without having had a Zync first?
Platinum Ex 750. No Zync.
@FrugalRican wrote:Any stories of people getting approved by an AMEX card without having had a Zync first?
Yeah many people have been approved for other AMEX Charge Cards, or even credit cards with getting a Zync first. The Zync card is popular among people rebuilding credit because of its more lenient approval standards, and it is viewed as a foot in the door to get better AMEX cards, like revolvers, in the future.