@Anonymous wrote:
@nyancat wrote:
@Anonymous wrote:
I really really want the Blue Cash Everyday Card here are my data point:
Chase Freedom $500 (given up on getting a CLI lol)
Discover IT $1,600
Citi Double Cash $1,500
Capital One Quicksilver $750
Barclay Apple Rewards $2,000 (only got this for my new laptop, currently paying it off)
Transunion: 692
Experian: 652
$45,000 in student loans. 1 late payment/chargeoff
How can i get approved for the BCE or BCP?
1 'late payment/chargeoff' - those are very different things. If a debt was written off, I'd not bother trying while that's on your record, personally. Focus on getting that removed.
I have tons of charge offs on my report and yet I have 4 AMEX cards approved including BCE. Of course my Experian is over 700.
I didn't say it was impossible with a charge off, simply that it was a major negative, both to the OP's score and to their chances with Amex (and for good reason - would you loan money to someone known not to pay back other people?). It's better to work on getting that off their record (pay for delete, possibly) than to worry about Amex. If they get it off they'll have:
1. Done something to feel good about (paying a past debt, if they do a pay for delete).
2. Done something Amex will feel good about (they paid other people, so are more likely to pay them).
3. Done something that will boost their credit score substantially.
Then they can apply for BCE knowing their odds are good!
American Express Blue Cash Everyday - $11,000; American Express Platinum Cashback Everyday - £3,000; American Express Rewards Credit Card - £7,500; Aqua Reward Mastercard - £3,500; Bank of America Travel Rewards - $5,000; Barclaycard Freedom Rewards - £3,500; Citi Forward - $5,800; Discover It - $10,000; Halifax Clarity - £1,500; HSBC Platinum with Rewards - $5,000, MBNA Everyday Plus - £3,500
