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Established Contributor
FicoTron
Posts: 512
Registered: ‎01-27-2011

Re: Really want the Gold AMEX ... Do I have a shot yet?

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‎03-26-2012 12:29 PM

Is the CO paid? If so, when? I know the dofd is 2006.
EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12
Message 11 of 38 (979 Views)
 
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Mega Contributor
LS2982
Posts: 14,440
Registered: ‎04-09-2011

Re: Really want the Gold AMEX ... Do I have a shot yet?

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‎03-26-2012 12:29 PM

@tray I dont believe the preselector is a SP, ive never had a SP on EX from AMEX before and i've tried the preselector many times....


Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013
Message 12 of 38 (978 Views)
 
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Established Contributor
FicoTron
Posts: 512
Registered: ‎01-27-2011

Re: Really want the Gold AMEX ... Do I have a shot yet?

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‎03-26-2012 01:32 PM - edited ‎03-26-2012 01:33 PM

Ever since I signed up for offers I have been softed 4 times by amex. I also was never pre selected for anything before I did either. So they softed me at some point, then came the offers online. Also got a mail offer for Green.
EX-774 (Amex Fico) 8/12
EQ-725 (Fico) 1/12
TU-729 (Fico) 3/12
Message 13 of 38 (963 Views)
 
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Mega Contributor
LS2982
Posts: 14,440
Registered: ‎04-09-2011

Re: Really want the Gold AMEX ... Do I have a shot yet?

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‎03-26-2012 01:53 PM

FicoTron wrote:
Ever since I signed up for offers I have been softed 4 times by amex. I also was never pre selected for anything before I did either. So they softed me at some point, then came the offers online. Also got a mail offer for Green.

I'm hoping they start SP'ing me as well!



Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 689 / EQ FICO 659 / TU08 FICO 702 / TU98 FICO 672 / TU VS 711 5/19/2013
Message 14 of 38 (948 Views)
 
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Regular Contributor
hateAshbury
Posts: 128
Registered: ‎11-14-2011

Re: Really want the Gold AMEX ... Do I have a shot yet?

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‎03-26-2012 05:03 PM

By like Mary Lou Retton and GO FOR THE GOLD!!!!!

 

 

Let us know how it turns out (either way).

Starting Score: 653 (11/1/2011 TransUnion)
Current Score: 719 (5/3/2012 TransUnion) 572 (3/21/2012 Equifax) 762 (4/14/12 VantageScore)
Goal Score: 700

Take the FICO Fitness Challenge
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BullsEye10
Posts: 79
Registered: ‎03-26-2012

Re: Really want the Gold AMEX ... Do I have a shot yet?

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‎03-26-2012 07:31 PM

OK

 

I just paid off the Discover Card entirely ... I have a 0.00% utilization rate.

 

I am going to wait until Discover reports my updated balance (middle of April) and then pull the trigger.

 

I'll let you guys know how it turns out, because if I dont get it I will be asking about reconsideration strategies!

 

Thanks for all the advice ... this place is great!

AMEX Platinum - NPSL (Approved for $75,000.00)
Chase Sapphire Preferred ($22,500.00)
Bank of America Cash Rewards ($5,000.00) - Sock Drawer
Discover ($4,500.00) - Sock Drawer
Capital One ($7,500) - Sock Drawer
Message 16 of 38 (886 Views)
 
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BullsEye10
Posts: 79
Registered: ‎03-26-2012

Re: Really want the Gold AMEX ... Do I have a shot yet?

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‎03-27-2012 07:55 AM

Now when I callto do the app online, how does that work?  Do I take that opportunity to explain the ding (late payment)?  It wasn't really my fault (my student loans are paid for by my family business as a form of compensation, and they weren't paid for a couple of months without my knowledge), but do they actually accept that as an excuse?  Worse, I could see how it could be spun to make me look worse, that I am relying on others, and I am not credit worthy on my own ...

 

Thoughts?

AMEX Platinum - NPSL (Approved for $75,000.00)
Chase Sapphire Preferred ($22,500.00)
Bank of America Cash Rewards ($5,000.00) - Sock Drawer
Discover ($4,500.00) - Sock Drawer
Capital One ($7,500) - Sock Drawer
Message 17 of 38 (861 Views)
 
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FrugalRican
Posts: 2,876
Registered: ‎02-02-2012

Re: Really want the Gold AMEX ... Do I have a shot yet?

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‎03-27-2012 07:57 AM

BullsEye10 wrote:

Now when I callto do the app online,


Are you going to call or are you going to do the app online?

I'd say you are jumping a bit ahead of yourself. Apply first, see if you are approved/denied. If approved, congrats. If denied, THEN deal with what happens next when reconning.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

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New Contributor
BullsEye10
Posts: 79
Registered: ‎03-26-2012

Re: Really want the Gold AMEX ... Do I have a shot yet?

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‎03-27-2012 08:16 AM

Sorry

 

I meant doing the app over the telephone line.

AMEX Platinum - NPSL (Approved for $75,000.00)
Chase Sapphire Preferred ($22,500.00)
Bank of America Cash Rewards ($5,000.00) - Sock Drawer
Discover ($4,500.00) - Sock Drawer
Capital One ($7,500) - Sock Drawer
Message 19 of 38 (845 Views)
 
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Valued Contributor
Open123
Posts: 2,366
Registered: ‎02-23-2011

Re: Really want the Gold AMEX ... Do I have a shot yet?

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‎03-27-2012 08:18 AM

BullsEye10 wrote:

Sorry

 

I meant doing the app over the telephone line.

Why not app online?

 

When you call, the CSR just relays your information on the online app, just as you would.  For a decline, unless there's inaccurate information on your CRA, Amex doesn't recon.

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