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I have a CO from 2 years ago that was sold to a collection agency( this has been paid and deleted from my CR) and it shows 0 balance TRANSFERRED TO ANOTHER OFFICE, and I have a 120 day late payment from Wellsfargo from 1 year and a half ago, I had automatic payments on this card but I lost the card on file and cancelled it and forgot, never got any emails regarding this, until I got a call from Wellsfargo about it, I immedeatly paid it and then they closed my account, so it shows CLOSED BY CREDIT GRANTOR Current; Paid or Paying as Agreed.
I have an EX of 685, with utilization of 2%.
Have Capitalone quicksilver with 2k limit,
capitalone powercard 1k
discover it 1k limit,
carecredit 2k limit,
a couple commenity store cards with like 750 limit
a fairly new personal loan from my CU of $9k
only 3 inquiries
just wondering what are my chances of being approved for an AMEX card
thank you
Mod note: I've updated your subject to reflect your approval; feel free to edit if you would like. --UB
I got approved for two AMEX cards (AMEX Delta Gold Skymiles and AMEX BCE) with 2 collections and a charge off on my report. AMEX's approval scoring takes may factors into their approval process. I say go for it!
Update-------
Found this post I made months ago, thought I should update on what happened. I eneded up applying for the Amex PRG with the 50k offer and was instantly approved, decided to apply for the Amex BCE minutes later so it would only count as one pull, I was approved for 10k I'll try the 3x increase and i'll wait the 60 days just to be sure.
Thank you!
I'm sure you'd have no problem getting approved for it as the underwriting is different from their revolver accounts. And since you're an existing customer, I hear it's only a soft pull if you're denied. Good luck.
@drboxing wrote:
Thanks for sharing and congrats. The AMEX PRG is the card I really want. I only have AMEX Delta Gold right now