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Pre Selected for a Amex......Please help

Frequent Contributor

Re: Pre Selected for a Amex......Please help

My Eq is 636 aaoa 1 year. 3 inq on EQ. Not sure which report is pulled. Highest CL Carecredit 4000. Lowest Discover 300. A few baddies but all older than 4 years. No lates


Starting Score: 3/21 EQ 636 TU 669
Current Score: 12/30 EQ 740 TU 712 EX ??? ....
Goal Score: Yay... I reached my goal of 700!!!


Take the FICO Fitness Challenge

Message 11 of 18
Established Contributor

Re: Pre Selected for a Amex......Please help

AMEX always pull EXP, but with that score range, baddies, and what appears to be a very limited CC profile if your highest line is not a real bank card (didn't even know Discover gave $300 CLs), I wouldn't app for a charge card. You may have a chance for a signature card, but that profile does not fit AMEX's style at all.


Starting Score: 627 EQ, 621 TU - 11/15/08
Current Score: 778 EQ, 781 TU, 778 EXP 07/20/12 Lender Pull
Goal Score: 800 EQ & TU


Take the FICO Fitness Challenge
Message 12 of 18
Frequent Contributor

Re: Pre Selected for a Amex......Please help

I have a BOA 1000.. The discover is through hsbc. I do not want the charge I want the delta sky miles amex


Starting Score: 3/21 EQ 636 TU 669
Current Score: 12/30 EQ 740 TU 712 EX ??? ....
Goal Score: Yay... I reached my goal of 700!!!


Take the FICO Fitness Challenge

Message 13 of 18
Established Contributor

Re: Pre Selected for a Amex......Please help

The Delta Gold/Platinum cards are charge cards (not signature cards). They allow you to rotate a monthly balance. The Amex Zinc/Green/Gold/Platinum are the signature cards you must pay in full each month. It is typically a lot easier to get approved for a signature card because you are less risk.

 

I'm not trying to knock your credit standing at all, but it doesn't appear you have many (if any) prime cards and/or decent credit limits. In addition, you have baddies on your report and low scores. Typically baddies on your report and low scores = denial from AMEX... they are a prime lender.

 

I would recommend you try to open a CC with a local (or national) CU. They will provide better interest rates, better limits, and be more flexible in approval.


Starting Score: 627 EQ, 621 TU - 11/15/08
Current Score: 778 EQ, 781 TU, 778 EXP 07/20/12 Lender Pull
Goal Score: 800 EQ & TU


Take the FICO Fitness Challenge
Message 14 of 18
Regular Contributor

Re: Pre Selected for a Amex......Please help

Can you give more examples of prime cards?


Starting Score(4/1/10): EQ: 631--- TU: 646
Current Score(4/1/10): EQ: 725--- TU: 686
Goal Score: EQ: 850--- TU: 850


Take the FICO Fitness Challenge
Message 15 of 18
Regular Contributor

Re: Pre Selected for a Amex......Please help

Nevermind, I searched. Smiley Happy


Starting Score(4/1/10): EQ: 631--- TU: 646
Current Score(4/1/10): EQ: 725--- TU: 686
Goal Score: EQ: 850--- TU: 850


Take the FICO Fitness Challenge
Message 16 of 18
Established Contributor

Re: Pre Selected for a Amex......Please help

Biggest prime lenders are Chase, Amex, Discover, and most Citi products.

 

 


Starting Score: 627 EQ, 621 TU - 11/15/08
Current Score: 778 EQ, 781 TU, 778 EXP 07/20/12 Lender Pull
Goal Score: 800 EQ & TU


Take the FICO Fitness Challenge
Message 17 of 18
Senior Contributor

Re: Pre Selected for a Amex......Please help

OP AMEX might pull all 3 for any product with a dirty report. I know they did on me a few years ago when I applied.

Message 18 of 18