Re: Amex App question for Forum Experts

ScarletFever · ‎08-12-2014

I want to app Amex, and need to know if it's a good time.....or not. Two weeks ago, I finally paid a $411 balance well past SOL and not reporting. It was a load off my credit mind. I want to app simply to get 23 years of history, a strictly "business" decision. My report is clean for the first time in years. Stats: scores below: 1% utility, AAOA 5 years-oldest-14 years. 3 new cards last December. 2 inqs on Exp and EQ, one on TU (all Dec. 2013) Amex softed me a bunch at the end of 2013, early 2014. Possibly for a business card; I registered anLLC in Nov and received several invites for business cards. No invites for personal cards. Another soft pull from two weeks ago, about the time I paid the $411 balance. This SP however, was placed by "American Express 2", the others by "American Express." I checked pre-approvals on their site, up came Everyday, BCP and Platinum. So, what are you thoughts and experiences? Lay some knowledge on me.

.Citi FICO-836 Barclays TU FICO; 827. Discover Fic0-826; CK:EQ-821; TU-819; CS-819; Total credit-$165,500: NASA-29,700; AMEX BCP-17,000; AMEX EDP-20,000; CSP-14,400; Barclay Ring-10,000; Discover It-9,000; U.S.Bank Sig Visa13,000; United TeleTech Federal Credit Union-$9000; Citi Double Cash-9900; Citi TYP-7,700; Discover Cashback Bonus-7,200;Chase Freedom-6,500; AMEX HHilton Honors-5000; Barclay NFL Extra Points-$5000. Utility always 1-2%

Closingracer99 · ‎08-12-2014

I would go for it ...worse that can happen is another pull on your EX and a decline and 1 more with yours isn't terrible

My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740

ScarletFever · ‎08-12-2014

By the way, what is the likelihood if being treated as a current member regarding HP v SP?

.Citi FICO-836 Barclays TU FICO; 827. Discover Fic0-826; CK:EQ-821; TU-819; CS-819; Total credit-$165,500: NASA-29,700; AMEX BCP-17,000; AMEX EDP-20,000; CSP-14,400; Barclay Ring-10,000; Discover It-9,000; U.S.Bank Sig Visa13,000; United TeleTech Federal Credit Union-$9000; Citi Double Cash-9900; Citi TYP-7,700; Discover Cashback Bonus-7,200;Chase Freedom-6,500; AMEX HHilton Honors-5000; Barclay NFL Extra Points-$5000. Utility always 1-2%

ScarletFever · ‎08-12-2014

Thank you!

.Citi FICO-836 Barclays TU FICO; 827. Discover Fic0-826; CK:EQ-821; TU-819; CS-819; Total credit-$165,500: NASA-29,700; AMEX BCP-17,000; AMEX EDP-20,000; CSP-14,400; Barclay Ring-10,000; Discover It-9,000; U.S.Bank Sig Visa13,000; United TeleTech Federal Credit Union-$9000; Citi Double Cash-9900; Citi TYP-7,700; Discover Cashback Bonus-7,200;Chase Freedom-6,500; AMEX HHilton Honors-5000; Barclay NFL Extra Points-$5000. Utility always 1-2%

Closingracer99 · ‎08-12-2014

@ScarletFever wrote:
By the way, what is the likelihood if being treated as a current member regarding HP v SP?

I belive it is only a HP if you get approved? Not 100% sure on that but I remember seeing that in another thread

My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740

ScarletFever · ‎08-12-2014

I have seen that as well . I also have seen where current members have only had a sp. Wondering if I am considered a current member...

.Citi FICO-836 Barclays TU FICO; 827. Discover Fic0-826; CK:EQ-821; TU-819; CS-819; Total credit-$165,500: NASA-29,700; AMEX BCP-17,000; AMEX EDP-20,000; CSP-14,400; Barclay Ring-10,000; Discover It-9,000; U.S.Bank Sig Visa13,000; United TeleTech Federal Credit Union-$9000; Citi Double Cash-9900; Citi TYP-7,700; Discover Cashback Bonus-7,200;Chase Freedom-6,500; AMEX HHilton Honors-5000; Barclay NFL Extra Points-$5000. Utility always 1-2%

CreditDunce · ‎08-12-2014

I believe you must login to your AE account and apply for it to be a SP for current members. If you don't currently have a card, it will be a HP.

However, since you have been pre-approved for some revolvers, I think you will be approved. It would have been a HP in any case with the approval.

peaceonearth · ‎08-12-2014

@ScarletFever wrote:
By the way, what is the likelihood if being treated as a current member regarding HP v SP?

If you're not an AMEX member (do not have an AMEX card) it will be a hard pull either you're approved or not approved.

Anonymous · ‎08-12-2014

Go for it. Good luck. Let us know how it goes!

ScarletFever · ‎08-12-2014

Thank you, everyone!

.Citi FICO-836 Barclays TU FICO; 827. Discover Fic0-826; CK:EQ-821; TU-819; CS-819; Total credit-$165,500: NASA-29,700; AMEX BCP-17,000; AMEX EDP-20,000; CSP-14,400; Barclay Ring-10,000; Discover It-9,000; U.S.Bank Sig Visa13,000; United TeleTech Federal Credit Union-$9000; Citi Double Cash-9900; Citi TYP-7,700; Discover Cashback Bonus-7,200;Chase Freedom-6,500; AMEX HHilton Honors-5000; Barclay NFL Extra Points-$5000. Utility always 1-2%

Amex App question for Forum Experts

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Amex App question for Forum Experts