had a 728 ex score when i was approved, was instant approval for 2k, less than 10% utilization, lots of inquires and new accounts and no derogs aaoa 1.5 years, 2 years 8 months total credit history got approved back in december then closed it in february because they wouldnt honor the better intro miles offer after spending $500 i was supposed to get 30k miles but instead i got 10k for my first purchase. I had zync for a little over a year at that time too. I closed both cards. I apped for amex blue cash everyday and got instant approval again same stats this month 2k limit 45k income
I know, but I was expecting American Express to frown on 702 lol. I figured I needed higher in this credit climate. I was thinking oh I'm not getting approved with 702, Amex will probably require 725 or so. That's why I expected a denial letter.
@armywifey85 wrote:I know, but I was expecting American Express to frown on 702 lol. I figured I needed higher in this credit climate. I was thinking oh I'm not getting approved with 702, Amex will probably require 725 or so. That's why I expected a denial letter.
I think as long as your score is above 700 and your stats are OK thats good enough for AMEX.
Scores in the 700s are in the "good territory" and will open most doors to you, including some Amex revolvers.
@armywifey85 wrote:I know, but I was expecting American Express to frown on 702 lol. I figured I needed higher in this credit climate. I was thinking oh I'm not getting approved with 702, Amex will probably require 725 or so. That's why I expected a denial letter.
@armywifey85 wrote:@this card was really easy to get. I had like 6 inq on my report. They hit my worse credit report exp @702. I was like omg I'm not getting it.
+1
I had 6 inquiries on Equifax, and I know they pulled at least Equifax. They only gave me a $1,000 limit though. This is the lowest among my current cards, but I was trying to get any Amex card by the end of the year, so at least I achieved my objective.
@Anonymous wrote:Hi guys. I haven't refreshed my scores yet. buts as of right now these are my starting scores B4 I had 1 baddie remove from my Experian(3 left). EQ 0, EX 534, an TU 540. I currently have 3 baddies on my EX. I just got 1 BOA secured card, 1 Cap One secured an 1 Discover IT card. I also got 2 installments loans. 1 auto an one Shared secured. When do you guys think I can possibly qualify for the Amex Delta Sky miles charge card?
That seems like a lot of new accounts in a short amount of time. Maybe you should conside gardening, letting the accounts age, bring your scores up and then apply?
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