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Given your scores, I think you would be approved for the zync and maybe a higher level charge card as well- eventually. Not sure that they would approve you for a credit card unfortunately.They like to pull ex for their charge cards.
@snowkitty wrote:
I'm not in the amex family.....never even tried. I've opened all my cc's in the past month and got denied by chase yesterday so I feel pretty sure they would deny me
Also, since all your accounts are very recent I wouldn't app anywhere else for awhile. You could try amex in december to establish a memeber since date, but the longer you wait the better your chances for approval
@OptimasPrime wrote:Given your scores, I think you would be approved for the zync and maybe a higher level charge card as well- eventually. Not sure that they would approve you for a credit card unfortunately.They like to pull ex for their charge cards.
@snowkitty wrote:
I'm not in the amex family.....never even tried. I've opened all my cc's in the past month and got denied by chase yesterday so I feel pretty sure they would deny meAlso, since all your accounts are very recent I wouldn't app anywhere else for awhile. You could try amex in december to establish a memeber since date, but the longer you wait the better your chances for approval
Oh hrm. If snowkitty has a real FICO score and you've opened up a bunch of CC's in this past month, I'd take the shot now I think for that 2012 member date before a bunch of things report as opened. Unless on the west coast, there's a fair chance those inquiries didn't all land on EX anyway.
Decent score and some other tradelines over the six month mark (QED as kitty has a FICO) and no revolvers reporting is probably better than a few revolvers reporting 3-4 months in mid-December I'm guessing. I'm not certain that it's 6 months revolver history, I believe some studentish folks got approved with nothing but student loans on their report?
Chase and Amex don't share underwriting criteria, and I think the Zync is still easier to qualify for than a Chase Freedom anyway. Just from a pure FICO possible maximization standpoint 2-3 years out, I'd make an app now, and even if denied, app again around Dec 15th. Won't matter if you're not chasing approvals in 2013 as the inquiries will fade, but getting that member date is a non-trivial tool for building one's credit file.
I have searched everywhere but I cant seem to find the pre-approval link. Ever since AMEX updated their site, I havnt been able to find aything. Would someone mind posting the link for me??
It's generally a good idea to check there prior to applying via normal channels. In some cases you may have better offers than what is available to the general public.
I looked at mine last week out of curiosity, and I had a 100k offer for the Platinum (3k spend in 3 months), 75k for the PRG (1k in 3 months plus no AF), and then BSP (forgot what the offer was) and Delta (72.5k miles with no spending, waived AF).
I'm fairly certain it's a SP or none at all (given the information may not be current, and instead may only be updated every so often).
It's very obvious that they target you for certain products based on the cards you already have. For example I have 2 airline cards plus one travel card (CSP). That's probably how I ended up with Delta and BSP on my list, in addition to the 2 charge card offers.
@cmthomas06 wrote:I have searched everywhere but I cant seem to find the pre-approval link. Ever since AMEX updated their site, I havnt been able to find aything. Would someone mind posting the link for me??
Under the main page's Cards, there's an option under personal for "Choose a card with our help"
If you select that there's a tab on the left which has an entry for "View your special offers" which takes you to the preselector page.