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chapmanjw wrote:
Hello,I have applied a few different times in the past for an AMEX card and I am always declined, what score do you need for an AMEX?Thanks
@Anonymous wrote:
Scores: TU 675, EQ 655, EX 622In the past I have applied for the blue, the green, and the gold.
I have no negative history, just some high balances.-John C.
In this day and age, high util will kill you for AmEx. They're very wary of being burned.
They do preferentially pull EX, so shining that one up would help.
To have scores that low (relatively) with no baddies, you must have some hellaciously high balances. If you're willing to pay them down, and that is genuinely your only negative, you will not only get a card, but your scores will soar.
Message Edited by haulingthescoreup on 07-18-2008 04:01 PM
@haulingthescoreup wrote:
@Anonymous wrote:
In this day and age, high util will kill you for AmEx. They're very wary of being burned.
They do preferentially pull EX, so shining that one up would help.
To have scores that low (relatively) with no baddies, you must have some hellaciously high balances. If you're willing to pay them down, and that is genuinely your only negative, you will not only get a card, but your scores will soar.
Message Edited by haulingthescoreup on 07-18-2008 04:01 PM
Yuck. Not in our case. According to WGMC.com, his EX (about 600 or so) score could have gotten him in with Delta SkyMiles ... but they pulled EQ, his lowest at 578.
We're in Florida, if that makes any difference. :/
< 9% is what your FICO likes your util at.
AlishaR wrote:
util makes a HUGE different in ficos.. Went from 87% to 41% and saw a 38 point increase... The "magic" number is >9%