Amex how long should I wait.....

Gibran · ‎06-29-2010

To app for a Delta Skymiles card? I've had my Zync card going on 2 months now. Does anyone have a time frame for when I should app for a new card with amex? Is there anything they look for with current cardmembers when trying to get another one of their cards? I still may just wait until next year, but just thought I would reach out for some advice..Thanks

score_building · ‎06-29-2010

Extrapolating just from your listed FICO (they pull EX, then use their own formula) you were borderline at best when approved for Zync, IMHO unless you have a pressing need for the card, wait for some payment history to develop.

If you don't wait for a full year of good payment history, which may not be a bad idea, then at least 6 months to avoid an instant denial. Since you got in hopefully for next app scores will be above 700 for best results.

They like spend and PIF and low balances or no balances with them and other issuers.

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover

Gibran · ‎06-29-2010

Thanks Score...Yep they only pulled EX and I know my EX is the best of the 3, I have a dreaded paid collection on my TU & EQ that's set to drop off in a couple of months, my EX has no baddies and does show revolving activity and low util. I'm not really pressed for the Delta card, it's just one of those that I've been wanting, so holding off isn't a problem, I think I may just do that.