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AMEX Approval Scores

Blogger

Re: AMEX Approval Scores

Just asking, because I'm wondering if I should app for Zync or go straight past that and into another card come Sept/Oct.

My overall util should be close to 14% and my scores will probably float around mid 700's if not higher. I've just seen stories of people in 700's getting denied.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 51 of 300
Valued Member

Re: AMEX Approval Scores


FrugalRican wrote:

Any stories of people getting approved by an AMEX card without having had a Zync first?


 

Over the past 3 weeks got Amex Green, Gold and BCE. EQ FICO 720 due to inquiries for apping spree. Amex use their own internal scoring, Ive had Blue sky since2008 so ive established a good history . Once you get your foot in the door and play by the rules Amex really does you well. 

02/01/12: EQ FICO 741 TU FICO 709 EX 704 (Amex pull)
02/01/12: FAKO TU 765/EX 763/EQ 764
GOAL: 760+

Wallet: Penfed Platinum Visa: $20k, Chase Sapphire Preferred $18k, Amex Blue Sky $14K, B&N MC $12.4K, Amex BCE $8k, Amex Gold, Amex Green, Citi Diamond Preferred $8.3k, Priceline Signature $5k, USBank Cash+ $5k, Chase Amazon $1.1K, Sleepys $5K, Best Buy $2k, Walmart Discover $1.3k
Message 52 of 300
Blogger

Re: AMEX Approval Scores

The Blue Sky is the one I am secretly pining for, because of no AF.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 53 of 300
Valued Member

Re: AMEX Approval Scores


FrugalRican wrote:

The Blue Sky is the one I am secretly pining for, because of no AF.




My EQ Score was 700 when I got it in 2008. Have to admit it served me faithfully but I am retiring for BCE

02/01/12: EQ FICO 741 TU FICO 709 EX 704 (Amex pull)
02/01/12: FAKO TU 765/EX 763/EQ 764
GOAL: 760+

Wallet: Penfed Platinum Visa: $20k, Chase Sapphire Preferred $18k, Amex Blue Sky $14K, B&N MC $12.4K, Amex BCE $8k, Amex Gold, Amex Green, Citi Diamond Preferred $8.3k, Priceline Signature $5k, USBank Cash+ $5k, Chase Amazon $1.1K, Sleepys $5K, Best Buy $2k, Walmart Discover $1.3k
Message 54 of 300
Blogger

Re: AMEX Approval Scores

Thanks. I'm going to wait til the Freedom INQ rolls off in July and my Disc More is about 6 months old and then I'll try my luck.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 55 of 300
Valued Contributor

Re: AMEX Approval Scores


FicoTron wrote:

I have been rebuilding for 2 years now and really want an AMEX.  After checking periodically for the past year, I finally have pre-selected offers on their website for ZYNC, Green, and Blue.  I know it would be smart getting in the door with ZYNC or Green, but I would like a revolver.  I had a chargeoff from 2006 that I tried getting taken off until about December 2011, which is when I broke down and promptly paid.  This chargeoff is not from a CC or loan, it was a rapid refund ($443) from H&R Block that wasn't paid back from the government and I didn't know until I began monitoring my scores in 2010.  So that, and a 2 30day lates, both of which over 6 years old are on my report.  EX fako is between 685-710.  I am asking everyone who has been  approved for an AMEX with similar, or worse scores, especially with a baddie or two, to post their app process and say what their score was AT THE TIME, and describe the baddies they had at that time as well.  I look forward to some feedback.


I was in the same boat, with the same pre-selects, zync, green, blue, if i were you I would apply for the Blue first its the hardest to get. If you apply for zync the other offers may go away. I got the Blue, and 2 months later I still had a pre-select for zync and app'd and got it, the green pre-select disapeared. 

 

So Apply for the best card you want that you are pre-selected for first.. because if you get it, you may be stuck waiting for 6 months to be safe to apply for the second card.  I really should of applied for BCE, that I wasn't pre-selected for because that is what I really wanted, and you can only have one card from the blue family at the same time, I would have to pay off my blue, cancel  and then re-app for the BCE. So I am waiting currently enjoying the 10k MRE points, spent $500 in 3 months, and 0% interest for 12 months. Perhaps next January my 13month point I will try for BCP either cancel and new app or PC. The cancel and re-app would give me a 2 year card, blue is  12/11, new card would be dated 1/11, and the blue would still get included in my AAoA for 10 years. 

 

 

Cards: Chase Southwest 20k & CSR 10k & CSP 10k & Freedom 6.6k & Amtrak/Freedom 4.6k, FNBO DISC 25.1k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 10k, Paypal Extras MC 7.5k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5.9k, Walmart 10k, Citi Simplicity 9k, Discover IT 16k and a nice stack of store cards.
Last APP/HP 5/15/2017 Marcus Loan. 30k
Message 56 of 300
Mega Contributor

Re: AMEX Approval Scores


pizzadude wrote:

 

I'm sure that you know this, but AMEX is very quirky when it comes to approvals;  some people with 700+ scores have been rejected, others with 600ish scores approved.

 

I was counter~offerer approved last fall for ZYNC with $200 limit, with a sub 650 EX FICO.   They never told me what it was, but I know it was low.   

 

I had probably around 60% overall utilization;   3 paid CO accounts from 4 years ago, and lots of 7 year old late payments.


I'm so intrigued as to why I didn't this offer from them.............Smiley Indifferent




EQ FICO 548 3/3/16
Message 57 of 300
Regular Contributor

Re: AMEX Approval Scores


jamesdwi wrote:

I was in the same boat, with the same pre-selects, zync, green, blue, if i were you I would apply for the Blue first its the hardest to get. If you apply for zync the other offers may go away. I got the Blue, and 2 months later I still had a pre-select for zync and app'd and got it, the green pre-select disapeared. 

 

So Apply for the best card you want that you are pre-selected for first.. because if you get it, you may be stuck waiting for 6 months to be safe to apply for the second card.  I really should of applied for BCE, that I wasn't pre-selected for because that is what I really wanted, and you can only have one card from the blue family at the same time, I would have to pay off my blue, cancel  and then re-app for the BCE. So I am waiting currently enjoying the 10k MRE points, spent $500 in 3 months, and 0% interest for 12 months. Perhaps next January my 13month point I will try for BCP either cancel and new app or PC. The cancel and re-app would give me a 2 year card, blue is  12/11, new card would be dated 1/11, and the blue would still get included in my AAoA for 10 years. 

 

 


+1

Message 58 of 300
Established Member

Re: AMEX Approval Scores

Got zync. I think they pulled EQ which I have 665 and about 54% or so util (which was false but I didn't want to wait for a statement to cut). 1 30 day late which I don't even know if it's showing up on EQ otherwise no baddies. 22 yrs old; longest acct is 4.4 yrs. $49,000 income. NPSL. Only got card for backdating purposes in the future.

 

The card is gorgeous. Infact I went to try it out this morning at starbucks and I got the reaction from the barista chick that I expected "wow! so shiny!" 

Message 59 of 300
Frequent Contributor

Re: AMEX Approval Scores

I was denied by Amex with a credit score by Fico 652. They came back with a Zync $500.00 c/l if I had proof I had a checking account where they can take the money out every month. After the 6-12 month period the will make it unlimited spending. I had to baddies that were 6 years old. You have to get your foot in the door. Lets get that 800 credit score. Smiley Happy

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Message 60 of 300