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Amex APP

Established Contributor

Amex APP

I have been seeing a lot of approvals since the start of the year for AMEX cards.... it makes me wonder if AMEX is more lenient at the first month of the year..... I do wanna apply for their revolver but I know it might be another denial.... has anyone gotten denied yet????


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 1 of 17
16 REPLIES
Valued Contributor

Re: Amex APP

A lot of people were waiting to maximize future backdating, so there is probably more volume than usual.  And, in general, people are more likely to post about their successful app (or success after recon) than about failures.   So I don't think you can read much into the recent flurry of approvals.

Message 2 of 17
Moderator Emeritus

Re: Amex APP

How long have you had your Zync Card? What is your monthly Zync spend? How often do you pay your Zync Card and do you pay way before its due? If your Zync history is long, solid, with good spending, Amex could be influenced to grant you a nice CL on a BCE or other revolver....

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 3 of 17
Highlighted
Established Contributor

Re: Amex APP

January is just a big month for apps with AMEX. I'm sure there are just as many denials as well. What card were you thinking of?


Message 4 of 17
Established Contributor

Re: Amex APP

I only opened my zync last september..... It has a hard limit of $500 so i really don't use it that much.. probably like $250 a month and pays it off before statement cuts.... I really want a BCE but I know that card is hard to get especially my credit score is so so.... I'm tempted to just try Delta gold and pc it to BCE ... I heard that if someone has a hard limit on zync, they can't apply for any amex products unless they close it..... I did try to apply for Blue last month since it's only a soft pull and the denials were because my history with amex was too new, deliquencies and history with other cards were too short......


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 5 of 17
New Contributor

Re: Amex APP

I got denied for starwood card, very upsetting. They used a soft pull from 12/15. They said my score was 654 but I have paid everything down to 0, I'm just waiting for the new balances to report. Some of them have and I'm at 696 on this site. Hopefully they'll do another soft on the 15th of this month and my until will be less than 10%
11/09 EX 564
10/12 EX 673 TU 674
1/13 TU 686
2/13 EX 701
Goal 750+
Message 6 of 17
Moderator Emeritus

Re: Amex APP


kobe2012 wrote:

I only opened my zync last september..... It has a hard limit of $500 so i really don't use it that much.. probably like $250 a month and pays it off before statement cuts.... I really want a BCE but I know that card is hard to get especially my credit score is so so.... I'm tempted to just try Delta gold and pc it to BCE ... I heard that if someone has a hard limit on zync, they can't apply for any amex products unless they close it..... I did try to apply for Blue last month since it's only a soft pull and the denials were because my history with amex was too new, deliquencies and history with other cards were too short......


Since you've recently tried to app for a revolver and because you have the hard limit Zync... I recommend waiting until your history with Amex is longer...  I think you should wait until June. If account age is not a concern to you, I would close Zync and app for a different charge product such as green or gold. If not, just keep Zync and use it to build history... then apply around April or May  The good thing about getting your Zync is that you locked in a 2012 member date. 


Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 7 of 17
Valued Contributor

Re: Amex APP

i was denied.  but it was only a soft pull. 

apped for bce. 

talked to a nice american little old lady. but you can tell she was scripted 

 

ive had my zync since august. 

but i have high util due too christmas shopping and such. about 6 inq all under a year. but over 6 months. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 8 of 17
Established Contributor

Re: Amex APP


webhopper wrote:

kobe2012 wrote:

I only opened my zync last september..... It has a hard limit of $500 so i really don't use it that much.. probably like $250 a month and pays it off before statement cuts.... I really want a BCE but I know that card is hard to get especially my credit score is so so.... I'm tempted to just try Delta gold and pc it to BCE ... I heard that if someone has a hard limit on zync, they can't apply for any amex products unless they close it..... I did try to apply for Blue last month since it's only a soft pull and the denials were because my history with amex was too new, deliquencies and history with other cards were too short......


Since you've recently tried to app for a revolver and because you have the hard limit Zync... I recommend waiting until your history with Amex is longer...  I think you should wait until June. If account age is not a concern to you, I would close Zync and app for a different charge product such as green or gold. If not, just keep Zync and use it to build history... then apply around April or May  The good thing about getting your Zync is that you locked in a 2012 member date. 


I would probably do that, by may or june all the new accounts would be a year old (almost of of them).... but I wonder if i can skip a charge card and just apply for a revolver....


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 9 of 17
Valued Contributor

Re: Amex APP

well if youd like an update kobe. 

 

just got off the phone with new accounts 

listed many reasons for denial but glad it was a soft pull. 

 

ex score said was 721!!! woot. lol(surprised with my high balances LOL)

 

number of new accounts 

too many inquries in the past 12 months( 6 for fico purpose) 

credit balance vs limit too high (20%)

installment loan balance to loan amount too high(got my car in august so yeah!) 

and ding ding ding 

Not an established customer of amex (yes he actually said that) 

got my zync august 30th so i guess 

oh well off too the garden until september. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 10 of 17