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Senior Contributor
youngandcreditwrthy
Posts: 6,154
Registered: ‎08-16-2012

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| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Regular Contributor
getmycreditright
Posts: 199
Registered: ‎05-23-2007

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.

-------------------------------------------------------------------------------------------------
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
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012

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: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

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

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
Valued Contributor
daybreakgonesXe
Posts: 1,677
Registered: ‎11-17-2012

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 :smileytongue:

Capital One Quicksilver World Mastercard $10k | JCPenney Platinum $7.5k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $25k | Discover IT $9.5k

EQ FICO 737 TU FICO 746 Credit Karma (TU) 780 Transrisk 816/990 Credit Sesame (EX) 762 Credit.com (EX) 763 VantageScore 3.0 733
Frequent Contributor
sakhalin070
Posts: 292
Registered: ‎08-28-2012

Re: American Express

2.5 Years!

AMEX BCE, Discover IT, Citi Forward, BoA Travel Rewards

FICO: TU 781 EX 776 Last App: November 2012
Valued Contributor
scottwagnon
Posts: 1,333
Registered: ‎02-07-2010

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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