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marlon333 wrote:
Here is my scenario...over the last year I have worked really hard to get my credit together.....as of today my FICO is 667EFX 626 TU and 561 EXP.....I am making my installment payments on time and keeping my credit balance low (less than 35%) with exception my citi select card (90% of the total limit).....as of today I have 5 cc and 1 installment loan.....two things I need help with....1) I need to know how to get my scores above 720 and I need to know how to get approved for a American Express Platinum Card.....all of my cc are just at or less than a year old
marlon333 wrote:
how high should I get EX...also how far back will my lates have to be before it want hurt me with American Express?
@Anonymous wrote:
You didn't work hard enough, cuz just like me; spending below 30% of my total credit balance..
I've 4 hard inquiries..
My oldest age is 2.8 years
My average age is 2.3 years
I'm only having 2 negative factors & 5 positive factors
My credit score is 726..
I still get denied, when I applied for Hilton Honors AMEX Credit Card..
The original post is nearly 3 years old. But the info you provide is still useful to help others know what kind of criteria Amex considers.
@Anonymous wrote:
You didn't work hard enough, cuz just like me; spending below 30% of my total credit balance..
I've 4 hard inquiries..
My oldest age is 2.8 years
My average age is 2.3 years
I'm only having 2 negative factors & 5 positive factors
My credit score is 726..
I still get denied, when I applied for Hilton Honors AMEX Credit Card..
Not trying to be harsh, but you are talking about a whole different world. The OP is looking for a Amex charge and you are talking about a Amex credit card. Amex credit cards are much more difficult to get. Though you got denied for HH Amex, you have a very good chance of being approved for any of their charge cards.