AMEX BC - When to re-apply?

[swpopham]

I apply every 30 days lol! Its a soft pull till they approve me for the bcp lol!

[AF_23]

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@swpopham wrote:
I apply every 30 days lol! Its a soft pull till they approve me for the bcp lol!

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I have wondered if this was acceptable practice. I want to do something similar just cause, but i have a feeling they wont like it and or F/R will be forthcoming if approved.

[saggy1]

I got the letter

Their reasons were:

-Average of your payment in relation to your balance on amex cards

-Assessment of monthly payments in relation to outstanding debt on credit card accounts

as indicated by experian

-Length of time being an amex customer too short.

I have had my amex card(s) for only one month, obviously paid in full on first statement. My uti on my visa is currently 9-10%

I am guessing the main reason is length of customer. Would appling in one month be wise? Or should I wait 3 or something to let more billing cycles close.

They have my FICO at 768

[trumpet-205]

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@saggy1 wrote:

I got the letter

Their reasons were:

-Average of your payment in relation to your balance on amex cards

-Assessment of monthly payments in relation to outstanding debt on credit card accounts

as indicated by experian

-Length of time being an amex customer too short.

I have had my amex card(s) for only one month, obviously paid in full on first statement. My uti on my visa is currently 9-10%

I am guessing the main reason is length of customer. Would appling in one month be wise? Or should I wait 3 or something to let more billing cycles close.

They have my FICO at 768

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Well, I used to own Zync before. I apped BCE at sixth month and was denied due to high internal risk score, with factors being low FICO score (720) and too short of AMEX relationship.

Then I tried it again before my second AF on Zync, denied with the same reason as well (this time FICO is 736). Afterward I just cancelled Zync.

If one year wasn't enough for me, it will be longer for you.

[Anonymous]

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@trumpet-205 wrote:

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@saggy1 wrote:

I got the letter

Their reasons were:

-Average of your payment in relation to your balance on amex cards

-Assessment of monthly payments in relation to outstanding debt on credit card accounts

as indicated by experian

-Length of time being an amex customer too short.

I have had my amex card(s) for only one month, obviously paid in full on first statement. My uti on my visa is currently 9-10%

I am guessing the main reason is length of customer. Would appling in one month be wise? Or should I wait 3 or something to let more billing cycles close.

They have my FICO at 768

---

Well, I used to own Zync before. I apped BCE at sixth month and was denied due to high internal risk score, with factors being low FICO score (720) and too short of AMEX relationship.

Then I tried it again before my second AF on Zync, denied with the same reason as well (this time FICO is 736). Afterward I just cancelled Zync.

If one year wasn't enough for me, it will be longer for you.

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I have a slightly lower TU score than you, somewhat thin file as I am only 22 but perfect payment history and a nice credit mix.

I had the ZYNC for 13 months, ran alot through it and obv PIF. I received two good offers for PRG first and then BCE. I was approved for both over the phone within a week or so of each other. I know my history with them put me over the edge for both.

[trumpet-205]

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@Anonymous wrote:

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@trumpet-205 wrote:

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@saggy1 wrote:

I got the letter

Their reasons were:

-Average of your payment in relation to your balance on amex cards

-Assessment of monthly payments in relation to outstanding debt on credit card accounts

as indicated by experian

-Length of time being an amex customer too short.

I have had my amex card(s) for only one month, obviously paid in full on first statement. My uti on my visa is currently 9-10%

I am guessing the main reason is length of customer. Would appling in one month be wise? Or should I wait 3 or something to let more billing cycles close.

They have my FICO at 768

---

Well, I used to own Zync before. I apped BCE at sixth month and was denied due to high internal risk score, with factors being low FICO score (720) and too short of AMEX relationship.

Then I tried it again before my second AF on Zync, denied with the same reason as well (this time FICO is 736). Afterward I just cancelled Zync.

If one year wasn't enough for me, it will be longer for you.

---

I have a slightly lower TU score than you, somewhat thin file as I am only 22 but perfect payment history and a nice credit mix.

I had the ZYNC for 13 months, ran alot through it and obv PIF. I received two good offers for PRG first and then BCE. I was approved for both over the phone within a week or so of each other. I know my history with them put me over the edge for both.

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Funny, AMEX must hate me, because my credit history is very similar to yours. And I did run a lot through my Zync card.