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Regular Contributor
Posts: 164
Registered: ‎10-09-2013
0

Secret To Being Approved For Amex

Hi guys. What the heck is the secret to getting an approval from AMEX? Recently I've been approved for; Chase Slate, Chase Freedom, & Discover IT but I can't break through to AMEX for whatever reason. I guess I need to garden what I have for 6 months or so?

**10/31/13
EX-650
EQ-660
TU-660
GOAL: 750 ACROSS THE BOARD
Last App: 10/13
Gardening Until: 4/14 (At least)
Established Contributor
Posts: 560
Registered: ‎10-22-2012
0

Re: Secret To Being Approved For Amex

Would be helpful to post a profile versus what cards you've been approved for.

Capital One Quicksilver- $5,000 (Thanks Cap1 Executive Office <3) | Chase Freedom - $7,100 | Chase Amazon -$1,000 | Priceline Visa -$10,000 | US Bank Cash+ - $18,200 | Fidelity Amex -$10,000 | Sallie Mae- $10,000 | Walmart $15,000 | DCU Platinum $12,000 | Discover IT - $9,000 | Amex EveryDay - $25,000  | Amex BlueCash Everyday- $9,800 | Citi DoubleCash - $15,000 | Sapphire Preferred- $13,000 Freedom Unlimited$7,000 Blispay$12,000

Senior Contributor
Posts: 5,472
Registered: ‎09-11-2013
0

Re: Secret To Being Approved For Amex

i've had just the opposite luck.  Amex has been very good to me considering my initial approval score (EX 640).  Discover won't touch me because of three paid charge off's from 2008.  Oh well, I'm happy to be in the Amex family though.

EX FICO 739 EQ FICO 710 TU FICO 742 *************Total Credit Limits: $633,750 (July 2013 starting credit limits totaled $2,700) current AAoA: 1.2-1.8 years.*** Sorry Barclays/Fidelity we're officially divorced*** whoa a $20,000 unsecured USAA Personal loan approved
In my wallet: Alaska Airlines Visa (13.5k), Amex(25.6k), Amex Green (NPSL), BankAmericard (42k), BBVA (20k), Blispay (7.5k), Cabelas (12k) Capital One (50.2k), Chase(28.5k), CITI(12k), Diners Club(2 @15k), Discover(21k), 5/3(25.5k), Equality Visa(4k), Huntington Voice(2 @12k), Key Bank(3.5k), NASA FCU(5k), NFCU(65k), FNBO's Overstock Mastercard(9K), Rakuten Mastercard(7k), Sun Country Airlines(12.5k), Synchrony(100k), TD Aeroplan/Client Rewards Visas (22.5k), USAA(50k), US Bank(6.5k), and WF Plat Visa(37.5k).
Community Leader
Senior Contributor
Posts: 29,989
Registered: ‎02-07-2013
0

Re: Secret To Being Approved For Amex

6 months of gardening should do the trick

This point should be stressed more here an app spree should not be encouraged because its not for every profile
A thick file will support more apps at one time while a thin file may see negative reaction to this process

IMHO 4+ at one time is to many for a new file and it should be kept to 1-3 a year but we get caught up sometimes in seeing the little wheel spin and the words approved
Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

Re: Secret To Being Approved For Amex

Gardening almost ALWAYS does the trick! Lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

Re: Secret To Being Approved For Amex

So get your hoess and get to trickin'... I meaning gardenin' lmao
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
Posts: 394
Registered: ‎03-16-2011
0

Re: Secret To Being Approved For Amex

my in was a charge, the fabled zync card, i got it early rebuild my scores were prob between 620-650 when i was around 680 i got approved for the BCE the nice thing is the back dating.

Amx BCE-15000,Amx Zync-NSPL
Barclay's Mastercard-8100
Credit Union Visa-1200
Discover-11,900, Khols-2000
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Community Leader
Super Contributor
Posts: 8,853
Registered: ‎09-22-2012
0

Re: Secret To Being Approved For Amex


phillyguy12 wrote:

my in was a charge, the fabled zync card, i got it early rebuild my scores were prob between 620-650 when i was around 680 i got approved for the BCE the nice thing is the back dating.


Same here.  Charge (PRG) was my foot back in the door with Amex.  Delta and BCE both approved about 7 months from having a charger.

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