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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.
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.
@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
@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
2.5 Years!
@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.