Too soon to app for Amex?

rogersave · ‎01-01-2013

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

creditnocash · ‎01-01-2013

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: Fico ScoresEQ~706 TU~719 EX 709 4/28/23
Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0

2023 Goals:
Buy A Home
Earn Cash Back

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

Repo-ed · ‎01-01-2013

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+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891

nicholasyud · ‎01-01-2013

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

Starting Score: 560
Current Score: ?
Goal Score: 800

icetrap06 · ‎01-01-2013

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

Doctor_E · ‎01-02-2013

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: Chase Southwest RR 6k | Best Buy CC 4.6K | Wells Fargo Platinum CC 1.4K | Amazon Store Card 3.5K | Banana Republic Store Card 3K

Current Score: 655 (2/7/18)
Goal Score: 700

jsickz32 · ‎01-02-2013

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)