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My AAoA is 8 months and my oldest TL is 1 year and 4 months
Chase Freedom opened 9/12
Discover More opened 8/12
Wells Fargo Cash Back opened 1/12
I have a few student loans as well, I am just waiting until next month in order to drop my utilization to about 3%
Do you guys think I have a shot? or should I try for a charge card?
In my personal opinion you're more likely to be approved for a charge than the BCE so far. If you're willing to wait at least 4 months, then you have a good shot at the BCE!
What is your fico score now ?
Based on a lot of other persons posts you should be safe if you are over 720, however I have seen persons getting approved with score starting from 680
The more important question is what is the purpose of getting a new card if its " just because " then don't get one if it because you need it them try.
i would guess 25% chance at best
@Brandnick wrote:What is your fico score now ?
Based on a lot of other persons posts you should be safe if you are over 720, however I have seen persons getting approved with score starting from 680
The more important question is what is the purpose of getting a new card if its " just because " then don't get one if it because you need it them try.
My fico score is 704. I am getting this card mainly because of the consistent reward categories on gas and groceries plus no AF
@distantarray wrote:i would guess 25% chance at best
So if I apply 4 times in a row i'll get it? Sweet!!!! haha jk
Ok 704 you have increased your chance to about 70% the risk to Amex is your credit is really young without much history .
lol reminds me of dumb and dumber quote "so do I have a chance? like one in a hundred? no.... one in a million..... so ... your telling me I have a chance! YEA!
Have you tried AMEX's pre-selector?