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Regular Contributor
grigorexxxcore
Posts: 223
Registered: ‎08-03-2010
0

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!

Epic Contributor
Creditaddict
Posts: 21,000
Registered: ‎10-23-2007
0

Re: Do I Stand A Chance With AMEX?

you would have a VERY good chance for the Zync card

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 686 Prosper(10-30-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Moderator Emeritus
fused
Posts: 16,378
Registered: ‎03-12-2007
0

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?

Credit Profile -
FICO 08 Scores (09-16-2014): EQ 824, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1 (Amex 07-15-2014)

New Contributor
tobey
Posts: 71
Registered: ‎02-24-2010
0

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: 770
Goal Score: 800


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Regular Contributor
grigorexxxcore
Posts: 223
Registered: ‎08-03-2010
0

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?

New Contributor
tobey
Posts: 71
Registered: ‎02-24-2010
0

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: 770
Goal Score: 800


Take the FICO Fitness Challenge
Regular Contributor
grigorexxxcore
Posts: 223
Registered: ‎08-03-2010
0

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?

Epic Contributor
Creditaddict
Posts: 21,000
Registered: ‎10-23-2007
0

Re: Do I Stand A Chance With AMEX?

well with 21, what's one more for amex! :smileyhappy:

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 686 Prosper(10-30-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Regular Contributor
grigorexxxcore
Posts: 223
Registered: ‎08-03-2010
0

Re: Do I Stand A Chance With AMEX?

Haha, yeah, 21 :smileysad: Recent one was 7/15/2010.

Regular Contributor
grigorexxxcore
Posts: 223
Registered: ‎08-03-2010
0

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? 


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