I dont know if Costco Amex is the hardest to get. I just said forget it and went for it. I know my ReCON words sound like excuses but I do have an AMEX Green through Corp that does not report on my credit. Wanted to see them take that into consideration. Oh well, it is what it is.
I applied for AMEX also and was declined. My letter stated it was because I had "a delinquency and balances are too high on revolving accounts". Called for recon- they stated that they are no longer approving for anyone with delinquencies on their credit reports regardless of scores. Then invited me to call back when that happens and reapply.
I have about 12 baddies and not all of them paid and they had no problem approving a Delta. EX 641 at the time in February. I would go that route and then at 11 months try to product change to avoid AF and give some good AMEX history.
FICO's: TU: 682 EX: 688 EQ: Unknown
In my wallet (strikethough are getting the axe soon): Amex Rewards Plus Gold | BECU: 10,000 | AlaskaUSA FCU: 6,900 | Citi Forward 6,500 | BOA Travel Rewards: 5,000 | US Bank Cash+: 5,000 | Merrick: 4,200 | Chase Freedom: 3,500 | Juniper: 3,100 | Household: 2,450 | Best Buy Reward Zone: 2,000 | Cap1: 1,500 | Cap1: 750 | Bailey's Furniture: 3,100 | Lowes: 4,500 | Care Credit: 2,000 | Zales: 1,400 | Kohls: 400 | Sam's: 5,200 | Walmart: 1,100 | Discover More: 1,000
Yea... As soon as the 2 baddies that are unpaid are removed from my report, Im calling back that day. Its only only Experian with me. I swear they love EX. Sort of downt want to mess with the big bad CRA that I knocked off TU and EQ. I am scared they are gonna find some loop hole, kinda like how they re aged my EX account, and report again on EQ and TU.
I also seen people getting approved for the Delta Amex with worse stats than me. Granted you never know somebodys complete history but I might have to go for this one in the near future. Want so INQ's to fall off. Desperately need a higher CL. Might have to go the NFCU route but I am a Navy brat and havent spoke to my dad in double digit years...and im only in my mid twenties. My Util should update to about 5% from 50-60 around the first. Hopefully I see some nice increases. I wanna put AMEX in a choke hold right now. hahahaha