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Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

Re: American Express

I got approved for bce w one paid, co from 08. It was fraud though and has since been removed.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Regular Contributor
Posts: 199
Registered: ‎05-23-2007
0

Re: American Express

All the rules and theories people have in regards to dealing with AMEX is hilarious. Pay your bill on time and you'll be good. Be smart with your utilization and it's more than okay to carry a "reasonable" balance relative to the CL. I used to buy in to all of this stuff with I was an AMEX outsider, but now being a cardmember, I'm like, "Whatever." I'll PIF or revolve a balance if I feel like it. LOL. A lot of people do too much thinking where AMEX is concerned.

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Starting Score - 575 (4/10)
Current Score - EQ - 750, TU - 752, EX - 728 11/4/12

Current Cards:
AMEX SPG ($7.5k), Amazon.com Visa ($3k), Discover More ($2k) all since 11/4/12

Fighting the good fight!
Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: American Express

I r3cenly approval for Delta with 675 credit score. I think you should be fine OP. The worst thing only waste one HP but im sure you should be fine.


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Contributor
Posts: 322
Registered: ‎10-19-2012
0

Re: American Express


KIPPIE12 wrote:

I have a question regarding getting an Amex.  I went to the pre-qualify site for Amex and entered the info required to prequlify.  I was prequalified for the Amex Preferred Rewards Gold Card, and the Amex Green Preferred Rewards.

 

Amex's recommendation was the Gold Option, but both came up.

 

I have descent scores across the 3 bureaus, last time i pulled was:

 

TransUnion: 705

Equifax : 688

Experian (not sure), but when i got my mortgage 1.4 years ago, it was 20 points higher than Transunion.

 

Nothing on my bureaus has changed, excellent pmt history, and very low utilization 4%. AAoA is 5 years.

 

I've read on this board about the way Amex has been closing accounts, and CLD's alot of people, but i still want my first Amex.

 

Question is, should i apply with Amex or go with an Amex co-branded card through another bank, such as BOA or Citi.

Not sure if it is easier going through Amex itself, or another bank offering the co-brand.

 

I know these two offers are charge cards, whereas balance is due promptly on due date.  That is no problem as my income would support it.

Thought i would run it through the board before wasting an inquiry.

 

Thanks, Tom


your siggy and your post have 2 different scores.  o.O

AMEX Platinum, AMEX Blue cash (10k), AMEX Delta (10k), US Bank Premier Line (14.5k), US Bank Cash + (7.5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (9.5k), Chase Sapphire Preferred (8k), Alerus Financial Visa Signature issued by Elan (10k), BofA Cash Rewards (10k), Citi Thankyou Pref (6.5k) TU FICO Score = 807, EQ FICO Score = 780, EX FICO Score = 780,
CreditKarma score = 785, CreditSesame score = 773, Vantage = 903
New Contributor
Posts: 1,994
Registered: ‎11-17-2012
0

Re: American Express


RonDawg wrote:

KIPPIE12 wrote:

I have a question regarding getting an Amex.  I went to the pre-qualify site for Amex and entered the info required to prequlify.  I was prequalified for the Amex Preferred Rewards Gold Card, and the Amex Green Preferred Rewards.

 

Amex's recommendation was the Gold Option, but both came up.

 

I have descent scores across the 3 bureaus, last time i pulled was:

 

TransUnion: 705

Equifax : 688

Experian (not sure), but when i got my mortgage 1.4 years ago, it was 20 points higher than Transunion.

 

Nothing on my bureaus has changed, excellent pmt history, and very low utilization 4%. AAoA is 5 years.

 

I've read on this board about the way Amex has been closing accounts, and CLD's alot of people, but i still want my first Amex.

 

Question is, should i apply with Amex or go with an Amex co-branded card through another bank, such as BOA or Citi.

Not sure if it is easier going through Amex itself, or another bank offering the co-brand.

 

I know these two offers are charge cards, whereas balance is due promptly on due date.  That is no problem as my income would support it.

Thought i would run it through the board before wasting an inquiry.

 

Thanks, Tom


your siggy and your post have 2 different scores.  o.O


If you check the original post date, you'll see that it's been a while and his scores has significantly improved since then Smiley Tongue


Capital One Quicksilver WMC $20k | JCPenney Platinum $10k | Shell Drive for Five $800 | Chase Freedom VS $5k | TD Bank Easy Rewards VS $5k | Chase Sapphire VS $14.8k | American Express Blue Sky $13.7k | Discover IT $24k | SavingStar American Express $14.8k | American Express BCE $11.3k | Macy's American Express $7.2k | Capital One BuyPower WEMC $7.5k

FICOS: EX 772 EQ 724 TU 764 VantageScore 3.0: EX 748 EQ 753 TU 752
Frequent Contributor
Posts: 298
Registered: ‎08-28-2012
0

Re: American Express

2.5 Years!

AMEX BCE, Discover IT, Citi Forward, BoA Travel Rewards
FICO: EX 802 Last App: November 2012
Highlighted
Valued Contributor
Posts: 1,361
Registered: ‎02-07-2010
0

Re: American Express


KIPPIE12 wrote:

I have a question regarding getting an Amex.  I went to the pre-qualify site for Amex and entered the info required to prequlify.  I was prequalified for the Amex Preferred Rewards Gold Card, and the Amex Green Preferred Rewards.

 

Amex's recommendation was the Gold Option, but both came up.

 

I have descent scores across the 3 bureaus, last time i pulled was:

 

TransUnion: 705

Equifax : 688

Experian (not sure), but when i got my mortgage 1.4 years ago, it was 20 points higher than Transunion.

 

Nothing on my bureaus has changed, excellent pmt history, and very low utilization 4%. AAoA is 5 years.

 

I've read on this board about the way Amex has been closing accounts, and CLD's alot of people, but i still want my first Amex.

 

Question is, should i apply with Amex or go with an Amex co-branded card through another bank, such as BOA or Citi.

Not sure if it is easier going through Amex itself, or another bank offering the co-brand.

 

I know these two offers are charge cards, whereas balance is due promptly on due date.  That is no problem as my income would support it.

Thought i would run it through the board before wasting an inquiry.

 

Thanks, Tom


Wow! with your current limits and score, i can't possibly fathom how amex bank would decline you for any of their products. even if they decided as of now, only super prime applicants will be approved, i would STILL think you are clear for approval.

EX BankCard 8 FICO 820 (250-900) 04/08/14
TU FICO 806 (350-850) 04/10/14
EX VT 3.0 805 (300-850) TU VT 2.0 891 (501-990)
Credit.com score 798 (300 - 850) TU transrisk 772
card line up here: http://ficoforums.myfico.com/t5/Credit-Cards/How-Many-Credit-Cards-Do-YOU-have/m-p/1034512#M290859

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