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Too soon to app for Amex?

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Regular Contributor

Too soon to app for Amex?

656 TU and 664 Equifax scores. Would I have a shot at getting approved for a charge card? Don't think I would get approved for a revolver yet. Utility is at 35 percent would love to get foot in door with them

Equifax 712 transunion 693experian 673
Chase freedom 500 Chase United explorer 5000 Discover IT 13000 AMEX PRG npsl AMEX BCE 6000 CSP 12000.AMEX ED 15000 Citi Simplicity 7000
Message 1 of 7
6 REPLIES
Valued Contributor

Re: Too soon to app for Amex?

honestly probably not. 

with the 30% util is hurting your chances. 

 

get that down to under 10 and only 1 card reporting and you will be good for a charge card imo. 

 

what do the rest of your reports look like? any baddies? 

other cards? 

 

p.s. it doesn't really matter when you app for it now since as long as you get a 2013 date! (for backdating purposes)

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Message 2 of 7
Valued Contributor

Re: Too soon to app for Amex?

They util is going to kill you, but if you were going to get approved for something, it would be the green.

5/2012: 560 credit scores across the board
12/2014 750+
3/2017 780+
5/2017 800+
Message 3 of 7
Valued Contributor

Re: Too soon to app for Amex?

Yep Amex Green is your option for now....


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 4 of 7
Regular Contributor

Re: Too soon to app for Amex?

+1 to the Green.  Just got approved for Green yesterday...my utiliztion was about 26%.

NFCU cashRewards (22k) | Discover IT (8k) | AMEX EveryDay (5k) | AMEX Delta Gold (5k) | CSP (5k) | Marriott Rewards Premier (5k) | Citi Hilton Reserve(5k) | AMEX SPG (2k)
----------------------------------------------------------------------------------------------
Scores: EQ - 670 | TU- 742 | EX - 691
Message 5 of 7
Member

Re: Too soon to app for Amex?

Sorry for the aside, but what's the difficulty of getting approved for a AMEX Blue Cash Preferred compared to the Green? Thanks!


In My Wallet: Best Buy Rewardzone 2.25K | Wells Fargo Platinum 1.4K | Amazon Store Card (GE) 2.8K | Banana Republic Store Card (GE) 1.2K

Starting Score: 647 EQ (1/1/13)
Current Score: 766 EQ (2/10/13)
Goal Score: 720
Message 6 of 7
Valued Contributor

Re: Too soon to app for Amex?

Charge cards are easier to get than their revolvers. At least thats what they say here. I was approved for bce first and then my charge cards.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 7 of 7