How long of a credit history does AMEX want?

[jamesdwi]

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@Anonymous wrote:

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@bichonmom wrote:
My history is only 2 yrs old, and CCs only 1 yr. I had 2 secured installment loans prior to the CCs. no baddies.

I'd really like Amex Costco and / or BCE-BCP. I'd be willing to start with a zync, but don't want to waste an inq if I wouldn't even qualify for that.

I'm wondering what they require or what is the shortest history where someone has been approve.

The backdating from Amex would do wonders for my FICO.

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why not apply for the Zync and BCP the same day? you will more than likely end up with 1 INQ for both

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if you apply for both do the revolver first, if you get the revolver its easier to get the charge later,  than the reverse. 

[LS2982]

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@jamesdwi wrote:

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@Anonymous wrote:

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@bichonmom wrote:
My history is only 2 yrs old, and CCs only 1 yr. I had 2 secured installment loans prior to the CCs. no baddies.

I'd really like Amex Costco and / or BCE-BCP. I'd be willing to start with a zync, but don't want to waste an inq if I wouldn't even qualify for that.

I'm wondering what they require or what is the shortest history where someone has been approve.

The backdating from Amex would do wonders for my FICO.

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why not apply for the Zync and BCP the same day? you will more than likely end up with 1 INQ for both

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if you apply for both do the revolver first, if you get the revolver its easier to get the charge later,  than the reverse. 

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I think Bichon would be good initially for a charge card. Not saying they wouldn't approve for a revolver but would be easier to get a charge card.

[CS800]

TRue, get a charge card first and build a 6 months history with them then get a revolver.

[quest208]

Whatever you decide bichonmom im rootin for. When they approve you put in a good word for me.

[LS2982]

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@quest208 wrote:
Whatever you decide bichonmom im rootin for. When they approve you put in a good word for me.

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+1

me too!!!

[JustMe77]

I was approved for the Zync in December. My history included at the time:

• Bank of America (8/2002) - late payments in 2008, closed 
• Orchard (8/2010)
• Banana Republic (3/2011) - closed 
• Capital One (9/2011) 
• Banana Republic Visa (10/2011) 

My Fico was 685/690-ish at the time, and my reported utilization was around 25% I think. I also reported significant assets (they ask in the application).

[mmduluth]

I applied for and was approved for my Clear with about 2 year history. It was my first Amex card. I'm not sure what my scores were at the time.

[bichonmom]

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@LS2982 wrote:

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I would say your history is just fine for AMEX. Have you tried their pre-qualifier??

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I tried, but couldn't get any info since I'm opted out.

[bichonmom]

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@LS2982 wrote:

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@quest208 wrote:
Whatever you decide bichonmom im rootin for. When they approve you put in a good word for me.

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+1

me too!!!

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wish I could. 

[bichonmom]

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@jamesdwi wrote:

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if you apply for both do the revolver first, if you get the revolver its easier to get the charge later,  than the reverse. 

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I thought it was better to app for a charge first, since they're easier to be approved? confused