Too soon to app for Amex?

rogersave · ‎07-18-2011

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

Starting Score: 590
Current Score: equifax 676 transunion 663
Goal Score: 700 plus

Take the FICO Fitness Challenge. Chase Freedom 2500 Discover IT 1700 Amex PRG npsl First National 550

creditnocash · ‎07-23-2012

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: EQ FICO 690, TU FICO 692, Walmart TU 737 EX FICO 726 Amex Pull(1/1/13)
Starting total revolving credit: $2600 | Current total revolving credit: $21,600
Inquiries (12 Months): EQ 6 TU 4 EX 5 | Most Recent: 8/30/2012

2013 Goals:
Freedom Signature
Costco:True Earnings

Amex Zync(Unicorn)
Chase Freedom$1500
Citizens Mastercard$5000

Repo-ed · ‎02-09-2012

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

Starting Score: TU:650 - EQ: 672
Current Score: TU: 706 - EQ: 680 - EX: 699
Goal Score: 700
Take the myFICO Fitness Challenge

nicholasyud · ‎08-13-2012

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

icetrap06 · ‎12-27-2012

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

In My Wallet: Discover IT (6k), AMEX Green Card (NPSL), Citi HHonors (4k), Cap One (1.5k), AMEX SPG (1k)

Starting Scores:
MyFICO EQ - 650, MyFICO TU - 670, EX - (between 330 and 830)
Current Scores:
MyFICO EQ - 654, MyFICO - 711, EX - (between 330 and 830)

Escobar702 · ‎01-01-2013

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

jsickz32 · ‎06-25-2012

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 / BofA Total rewards (2500) / BofA Amex (3900) / Bofa cash rewards (5700) / BofA Privileges Cash Rewards (5000) / Citi Forward (3000) / Chase Freedom (3500) / Discover IT (1700) / FNBO AMEX (3600) / Barclays Apple Visa (3960) / NFCU cashRewards Visa signature (12500) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / 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 (601) / PayPal Smart connect (2200)

Credit Cards

Too soon to app for Amex?

Re: Too soon to app for Amex?

Re: Too soon to app for Amex?

Re: Too soon to app for Amex?

Re: Too soon to app for Amex?

Re: Too soon to app for Amex?

Re: Too soon to app for Amex?