Amex must be in a giving mood

[toppers555]

I decided wth let me apply since I am now a member of the family with my simplycash, and reading about Revelate recent success  expecting to get denied, and well this happened...

01/13/13

BLUE CASH (SM) FROM AMERICAN EXPRESS

Approved

Congratulations! Your application has been approved and you should receive your new card within 7-10 days.  If you requested a balance transfer to this card, click here to view the status of that transfer

I appiled for older 5,5,1 combo. 

[09Lexie]

Congrats!  You guys are tempting me!

[flashevo]

Congrats

[tennisfan78]

Awesome congrats!!!

[Revelate]

Congrats dude!  Seriously though your TU 700+ score means your report is waaaaaay prettier than mine so I'm not surprised at all you were approved honestly .

[chnceit]

Congrats OP! I love the look of my Simple Cash card 

[toppers555]

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@Revelate wrote:

Congrats dude!  Seriously though your TU 700+ score means your report is waaaaaay prettier than mine so I'm not surprised at all you were approved honestly .

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My ex, and Eq are both around your scores, but then again the judgement, and collection I have on my report falls off in may , and june. I am actually considering holding off on CSP , and cash+ to end of year now.

[Revelate]

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@toppers555 wrote:

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@Revelate wrote:

Congrats dude!  Seriously though your TU 700+ score means your report is waaaaaay prettier than mine so I'm not surprised at all you were approved honestly .

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My ex, and Eq are both around your scores, but then again the judgement, and collection I have on my report falls off in may , and june. I am actually considering holding off on CSP , and cash+ to end of year now.

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Interesting, some of my negatives are a lot more recent.  If you get your EX from Amex would you mind sharing it here?

Personally if I were you I'd wait I think if your scores are similar to mine, my Freedom application of all things is pending, and it's a heck of a lot easier to get approved for from an underwriting perspective than the CSP / Cash+.  If you're going to get a big bump (likely if those are your only derogs) with two negatives coming off, just hang out would be my opinion.  Not really any rush on those two except the potential lost payment history, which over the long run is pretty trivial.

[toppers555]

Sure I will post it , but I am pretty sure it around  650-660 range from last month Amex denial , which is why I am certain it had to be related to my simplecash /interalscore.  income 60k , only experian pulled. Also I already have cash rewards , so cash+ would not be a completely new card.

01/04/13

AMERICAN EXPRESS SIMPLYCASH (SM) BUSINESS CARD

Approved

Congratulations! Your application has been approved and you should receive your new card within 7-10 days. If you requested a balance transfer to this card, click here to view the status of that transfer

11/29/12		BLUE CASH PREFERRED(SM)		Declined		To view the full decision details click here
11/30/12		AMERICAN EXPRESS PREFERRED REWARDS GREEN CARD		Declined		To view the full decision details click here
12/07/12		PREMIER REWARDS GOLD CARD FROM AMERICAN EXPRESS		Declined		To view the full decision details click here
12/07/12		THE AMERICAN EXPRESS PREFERRED REWARDS GOLD CARD		Cancelled		To view the full decision details click here
12/23/12		STARWOOD PREFERRED GUEST CREDIT CARD(SM) FROM AMERICAN EXPRESS		Declined		To view the full decision details click here
01/13/13		BLUE CASH (SM) FROM AMERICAN EXPRESS		Approved		Congratulations! Your application has been approved and you should receive your new card within 7-10 days. If you requested a balance transfer to this card, click here to view the status of that transfer

[Revelate]

Hrm, your application history makes it look like Amex's approvals are now determined by Oujia board as well.

Denied in December for charge cards, approved in Jan for Blue Anything?  If nothing substantial changed in your report and score, you may be right and Amex is in a giving mood post holiday season.