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New Contributor
RashShakur
Posts: 57
Registered: ‎11-13-2011
0

Re: Help ...?... I want a AMEX

ESPNJUNKIE- Thanks

 

If I get a additional credit card and have good payment for six months my chances would increase? In your opinion, what would be the percentage?

New Contributor
RashShakur
Posts: 57
Registered: ‎11-13-2011
0

Re: Help ...?... I want a AMEX

Credit_monkey-Thanks.

 

 

I think I will try doing a pre-paid  amex in hopes it will get me in the door. I really don't want another credit card espcially a capital one but that be my only option if amex pre-paid doesn't work out.

New Contributor
RashShakur
Posts: 57
Registered: ‎11-13-2011
0

Re: Help ...?... I want a AMEX

I had a AMEX in the past and loved it. Their rewards programs are good and they have good customer service. It doesn't have to be a Amex but I would love a prime card and since I have had one in the past I would like have one now,

New Contributor
RashShakur
Posts: 57
Registered: ‎11-13-2011
0

Re: Help ...?... I want a AMEX

If you don't mine me asking what was the denial reason and scores at the time?

New Contributor
RashShakur
Posts: 57
Registered: ‎11-13-2011
0

Re: Help ...?... I want a AMEX

I would apply for it now just to see my denial reason but I wanted to wait until my tax lien falls off within the next month... Any thoughts?

Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008
0

Re: Help ...?... I want a AMEX

IMHO you have way too much baddies and not ready for AMEX. You need to clean up your reports, get rebuilder cards and let it age.

$100K in Credit
Last Credit Card App: 11/16/13
Valued Contributor
MovingForward_2012
Posts: 3,406
Registered: ‎12-19-2012
0

Re: Help ...?... I want a AMEX

Tax liens look very bad to lenders. You should wait a month for that to fall off.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Established Member
credit_monkey
Posts: 18
Registered: ‎11-19-2010
0

Re: Help ...?... I want a AMEX

I haven't recieved the reasons yet.  But, my score was 659.  I do have lots of inquiries due to recent auto loan and app spree.




Starting Score: 646
Current Score: myfico eq 663, tu Walmart 676
Goal Score: 700


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Established Contributor
cashnocredit
Posts: 1,025
Registered: ‎07-18-2009
0

Re: Help ...?... I want a AMEX

[ Edited ]

I was declined for an Amex charge card back in late 2010. I had a 695 EQ FICO. 1.5 years perfect history with two cards but some older CAs and paid lien.

I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

WM Discover $1800, WF Plat 12k, Chase Freedom Siggy15k, Amex Plat (60k H/B), Citi AA EWMC 25k

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