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Established Contributor
Posts: 643
Registered: ‎05-29-2011
0

Re: AMEX HELP!!!!

To the OP, are you referring to some sort of regulation/law and how it affect  what type of card you can get?  Until the early '00's; revolving AMEX accounts couldn't be issued to anyone in Iowa due to "banking regulations".

 

I remember getting pre-approvals in the mail when I lived in Iowa for revolving Amex accounts, applying, only to be told that particular card could't be issued in Iowa.  As to why I'd get the pre-approval, thats a whole different story in a universe far, far away.

 

Good luck to the OP, but I second what other people are saying, your state of residence has nothing to do with your approval/denial chances per se'.

About $215,000 total credit among 11 cards
Frequent Contributor
Posts: 309
Registered: ‎07-19-2010
0

Re: AMEX HELP!!!!

I wonder what a "high to low credit ratio" ratio is?  Unfortunately, there is no pill you can take to boost your credit score overnight.  It takes time and you should at least have  680-700 before you even try for Amex.  That won't make you feel better but taking a realistic look at your circumstances should help in the long run.

Super Contributor
Posts: 5,759
Registered: ‎01-28-2008
0

Re: AMEX HELP!!!!


gangof4 wrote:

I wonder what a "high to low credit ratio" ratio is?  Unfortunately, there is no pill you can take to boost your credit score overnight.  It takes time and you should at least have  680-700 before you even try for Amex.  That won't make you feel better but taking a realistic look at your circumstances should help in the long run.



No pills, but certainly rapid rescoring for mortgages. 

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