Credit Cards

[Jlu]

Nobody mentioned yet that AMEX generally pulls EX exclusively, therefore, the OP is in a great position to apply for the SPG AMEX. 

OP I'd say go for it.

[Revelate]

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Jlu wrote:

Nobody mentioned yet that AMEX generally pulls EX exclusively, therefore, the OP is in a great position to apply for the SPG AMEX. 

OP I'd say go for it.

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You're correct on their charge cards, but Amex revolvers are a different animal.  I suspect in this case there will be 2 reports pulled: new customer, not quite easy approval.   Could well be wrong, but I wouldn't bet on it's being an EX pull only in this instance.

[Jlu]

It's possible. I have only applied for their charge cards where they pull EX only. 

[SwampSystems]

They only pulled EX for my BCE, but they SP me all the time on EX and EQ to pre-approve the PRG.

[hotpoint]

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SwampSystems wrote:

They only pulled EX for my BCE, but they SP me all the time on EX and EQ to pre-approve the PRG.

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Hello All and thaks again for your assistance.  I really want to know the best route, recently I applied for the NFCU membership (3-5 dy wait) and thought I would go for a high CL and BT, but I am interested in applying for a best AMEX to start the process . . . comments.  As I mentioned, my EX is very clean EQ and TU show the BK, which will delete 10.13.

Thanks for your comments,

-HotPoint

8.12.12   EX 761 - USAA

8.12.12   EQ 687 - FICO

8.13.12   TU 702 - FICO

[jamesdwi]

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Creditaddict wrote:

I would apply for Charge Card and if approved go back in and try for the revolver you want... 1 INQ - probably pretty good chance.

Also if you are at 30-40% and can't pay it off why not open new account and BT what you have now... not sure your limits but with no inq or new accounts in over 2 years, you are probably in a pretty good place to get a few new bigger cards and get that util overall down while you work on the individual util.

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+1

they usually pull EX for charge cards, Not sure if they do double pulls if you ask for a revolver after you are approved. Best backdating play would be charge card now, then revolver in january, free 8 months of backdating goodness. 

[EandK23]

I was just approved a week ago for BCE and they pulled EX. I think you'd be ok.

[aussiesareforever]

They pulled all three when I applied for the delta amex. However I had a BK reporting on all three when I applied (I hadn't found these forums yet, didn't realize I was just wasting my inquiries

Anyways, just wanted to throw it out there that AMEX could possibly pull EQ and TU- esp with questionable credit.

[CreditEd]

95% of the time they will pull EX. I believe they have ownership in EX. They also have a significantly large historical db and they use that just as much as they use a CRA Report.

I was denied my SPG with scores of +680 and got it successfully on a complicated recon. I app'd only because I knew I had a CO deletion coming which was about 2 years old and about $500. 

I would say that you need 710+ scores at least before making a worthwhile try for the SPG. Also I was a Plat card holder, but still originally got denied. The revolver process is severely more stringent and expect a manual review in all cases that you apply for a SPG. 

[hotpoint]

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CreditEd wrote:

95% of the time they will pull EX. I believe they have ownership in EX. They also have a significantly large historical db and they use that just as much as they use a CRA Report.

I was denied my SPG with scores of +680 and got it successfully on a complicated recon. I app'd only because I knew I had a CO deletion coming which was about 2 years old and about $500. 

I would say that you need 710+ scores at least before making a worthwhile try for the SPG. Also I was a Plat card holder, but still originally got denied. The revolver process is severely more stringent and expect a manual review in all cases that you apply for a SPG. 

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Thanks again for the insight - perhaps I should apply for the simply process since my EX is perfect . . .

HotPoint