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Amex

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Anonymous
Not applicable

Amex

anyway to prequalify ?

Message 1 of 34
33 REPLIES 33
Anonymous
Not applicable
NRB525
Super Contributor

Re: Amex


@Anonymous wrote:

anyway to prequalify ?


Where are your FICO scores from?

Which AMEX card or cards do you have on your short list to apply for?

What other cards do you have already?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 3 of 34
Anonymous
Not applicable

Re: Amex

My fico updated 715,730,730 . I have 7k available credit . Paid everything off . Had a loan for 7k that I paid in full . I don't have an Amex yet . Want to get the blue cash preferred . I was pre qualified .

Message 4 of 34
B335is
Moderator Emeritus

Re: Amex

If you're pre qualified with Amex it's a pretty safe bet you'll be approved. Please keep us posted!
Message 5 of 34
Anonymous
Not applicable

Re: Amex

All your credit cards reporting 0 balence??
Message 6 of 34
sjt
Senior Contributor

Re: Amex

Congrats!

 

Keep us posted on the outcome.

 

 

American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 5.23, EX: 812 / EQ: 825 / TU: 815
Message 7 of 34
Anonymous
Not applicable

Re: Amex

yes pif credit cards every month . It actually said they have no offers for me but reccomended 3 different cards
Message 8 of 34
Anonymous
Not applicable

Re: Amex

Your supposed to leave like 1% balence on 1 card.
Message 9 of 34
taxi818
Super Contributor

Re: Amex


@Anonymous wrote:
yes pif credit cards every month . It actually said they have no offers for me but reccomended 3 different cards

Dont base your decision off of that. You should be good to go. with your scores and util. with is 0. unless you have some negatives we don't know about. Amex is not the amex of old. with rigorous strict approvals. Chase and Citi much harder to get in with. Good luck. keep us posted when you are approved. Smiley Wink

Message 10 of 34
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