Amex

[darkknight59]

I had a personal card they closed in 1983 and then a coporate card I burned them on in CH13 in 2003..was approved in Dec 2014 and now have 4 cards Costo for 15K and ED for 15k and two charge. The BD has greatly helped my AA.Good Luck!

[racer-x]

Ups- mot sure how your usaa is going to update to the cra's on the same day that you paid it?

What was your util before you paid usaa?

[takeshi74]

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@Ups77 wrote:

If I dont get approved should I call the back number right away.

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They typically don't recon unless there's an error on the report.

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@racer-x wrote:
Ups- mot sure how your usaa is going to update to the cra's on the same day that you paid it?

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+1.  Balances don't report immediately.  USAA reports on statement date.

[racer-x]

Also ups, with the recent flurry of complaints of people paying down balances and scores dropping, maybe leave well enough alone instesd of trying to squeak out every last point.

I dont think amex cares if you have 1 % or 15% utiliz.

[ScarletFever]

I went through this. First, if you owe AMEX money, pay it. I did.  More than fifteen years after stiffing them following a rough patch, I called them and got it done. A week or two after paying my debt to them, I apped and was approved for BCP and EDP. Keep in mind, my scores were 730-740-ish at the time of apps. AMEX also changed my MSD to 1991. Good luck!

P.S.: Perhaps try the pre-approval site.

[Ups77]

I got approved and back dated to 96. 7000 limit but I gained aaoa. Thanks for your encouragement and help.

[Turbobuick]

Nice! Congrats!

[racer-x]

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@Ups77 wrote:

I got approved and back dated to 96. 7000 limit but I gained aaoa. Thanks for your encouragement and help.

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Sweet.  BCP?

[Ups77]

yes not to happy with 75$ annual fee.But ill take the good with th bad.

[Anonymous]

Do you have to wait until the AMEX reporting hits the Credit Report to know if they backdated?  I was recently approved for a personal Delta AMEX but I've had a Corporate Card since 2008.  Do they automatically backdate or have to request it at application?

Thanks!