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Do I Stand A Chance With AMEX?

Regular Contributor

Do I Stand A Chance With AMEX?

Thanks everyone for visiting.

 

I'm 19 and have an annual salary of $32,000

 

I have established credit for 2 years now. Never missed a payment, never declared bankruptcy. 

 

My scores are: 

 

EQ: 725

EX: 717

TU: 733

 

I have about a 10% Debt to Credit Ratio I guess it's called.

 

The only bad thing on my credit report would be inquires? Would that really make it difference? 

 

Would I stand a chance with ANY American Express Charge Card? If so, which one? Zync maybe?

 

Thanks everyone!

Message 1 of 35
34 REPLIES
Epic Contributor

Re: Do I Stand A Chance With AMEX?

you would have a VERY good chance for the Zync card

Message 2 of 35
Moderator Emeritus

Re: Do I Stand A Chance With AMEX?

 


grigorexxxcore wrote:

Thanks everyone for visiting.

 

I'm 19 and have an annual salary of $32,000

 

I have established credit for 2 years now. Never missed a payment, never declared bankruptcy. 

 

My scores are: 

 

EQ: 725

EX: 717

TU: 733

 

I have about a 10% Debt to Credit Ratio I guess it's called.

 

The only bad thing on my credit report would be inquires? Would that really make it difference? 

 

Would I stand a chance with ANY American Express Charge Card? If so, which one? Zync maybe?

 

Thanks everyone!


 

Welcome to the forums!

 

Where did you get your scores from? How many inqs do you have and how recent are they?

Message 3 of 35
Contributor

Re: Do I Stand A Chance With AMEX?

How recent are the inquiries? I think they'd approve you for a Gold, Green, or Zync easy.


Starting Score: 737
Current Score: 777
Goal Score: 850


Take the myFICO Fitness Challenge
Message 4 of 35
Regular Contributor

Re: Do I Stand A Chance With AMEX?

I get my credit scores from Citi Identity Monitor, I'm on a monthly plan with them for $4.95, I get all 3 scores and reports of course. 

 

I'm embarrassed, but it says I've applied for credit 21 times in the past 12 months! My goal is to get an AMEX charge card and to never apply for a card again,  but I have become overwhelmed with the idea and applied like crazy!

 

I recently got these scores. I paid off all of my debt last month and boosted my points very high! So I am wondering if I should wait another 4 to 5 months before applying?

Message 5 of 35
Contributor

Re: Do I Stand A Chance With AMEX?

Ouch! 21? That  could hurt you. When was the most recent one?


Starting Score: 737
Current Score: 777
Goal Score: 850


Take the myFICO Fitness Challenge
Message 6 of 35
Regular Contributor

Re: Do I Stand A Chance With AMEX?

Embarrassing to say, 21 in the past 12 months. Those scores are very recent like I mentioned, I paid off all of my debt at once and saw a huge spike in my points. I am wondering if I should give it another 4 to 5 months and pay off my balances in full and then apply for an AMEX?

Message 7 of 35
Epic Contributor

Re: Do I Stand A Chance With AMEX?

well with 21, what's one more for amex! Smiley Happy

Message 8 of 35
Regular Contributor

Re: Do I Stand A Chance With AMEX?

Haha, yeah, 21 Smiley Sad Recent one was 7/15/2010.

Message 9 of 35
Regular Contributor

Re: Do I Stand A Chance With AMEX?

I have the complete list of inquiries and the dates they were pulled. Does AMEX take inquiries into consideration? 

Message 10 of 35