AMEX apply or wait?

[NattyPButter]

I have a 120 day late on my file and a 691 on my ex. I didn't get any pre qualify offers but took the chance and got approved for the BCP card with a $2000 limit. 

[Anonymous]

So Amex Platinum isn't *that* difficult to get? 

[Anonymous]

They might * have eased up on some cards due to all the co-brands they lost. But, who really knows if this is the really reason they lowered their standards or not. Or maybe we who have some baddies made enough progress to be approved.

[Anonymous]

675 Experian Is good. Depending on your recent inquiries. I'd say go for it.

[longtimelurker]

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@Anonymous wrote:

So Amex Platinum isn't *that* difficult to get? 

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The belief is that all the charge cards have (about) the same underwriting requirements, you then have a choice of how much annual fee you want to pay for various benefits.     Charge cards seem easier to get than Amex credit cards, but neither are all that hard with a somewhat clean file.

So, no, Amex Plat isn't hard to get at all, just historically people assume that it is a sign of great wealth!   It isn't...

[takeshi74]

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@Anonymous wrote:

Hey guys, just want some advice! i've got a 675 exp fico score and was wondering if there is any chance with amex.

I've got a few baddies that have all been paid in full. Advise

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Work on getting those removed first.  Hit Rebuilding, carefully research and see what you can do.  It's not just about getting an approval.  Your credit profile will determine the limit, APR, etc that you qualify for.  Get your credit in shape and then apply.  Not just with AmEx but with any creditor.

[Anonymous]

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@Anonymous wrote:

Hey guys, just want some advice! i've got a 675 exp fico score and was wondering if there is any chance with amex.

I've got a few baddies that have all been paid in full. Advise

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I have 2 chargeoffs that are PIF. Apped for Amex about a month ago and was approved for 5k SL. Requested a CLI at activation and was granted. My EX score at that time was 679. Good luck.

[Anonymous]

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@longtimelurker wrote:

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@Anonymous wrote:

So Amex Platinum isn't *that* difficult to get? 

---

The belief is that all the charge cards have (about) the same underwriting requirements, you then have a choice of how much annual fee you want to pay for various benefits.     Charge cards seem easier to get than Amex credit cards, but neither are all that hard with a somewhat clean file.

So, no, Amex Plat isn't hard to get at all, just historically people assume that it is a sign of great wealth!   It isn't...

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Good to know.  I had no idea.