@nvrgvupnvrsrndr wrote:
No. Have had an Amex PRG since 6/2013. Wife has an AMEX BCE with myself as an AU. What's crazy is I'm the one with the credit. She's had the benefit of being an AU on all my CC's and hasn't had to take the hits for the HP's. I was declined for an AMEX BCE last summer most likely due to recent INQ's. I have perfect payment history with no lates on any account, $70k in credit lines, 5% utilization, AAoA is less than 2 years. Only bad is a 2 year old paid/satisfied med bill judgement. Go figure.
Amex does look at your DTI Ratio from all your creditors.
"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******
did you have any luck ??????