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Epic Contributor
Creditaddict
Posts: 22,106
Registered: ‎10-23-2007
0

Re: Trying for AMEX


nvrgvupnvrsrndr wrote:
Chase and Wells Fargo are my auto loans. I've never applied for CC's with them.

I know, but still prime banks.

 

When is the last time you applied for an Amex Charge?  I mean you are over 700 on EX?? That is WAY higher then we see every day people getting approved... you don't seem to have a problem applying or asking for CLI considering where your cards are now... why won't you pull trigger on Amex? (not being harsh, im having my therapy, YOU DESERVE IT MOMENT!!) :smileyhappy:

 

I'll cry more than you if I push and you get denied... but based on what you have told, I'm confident in an approval.

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Contributor
nvrgvupnvrsrndr
Posts: 191
Registered: ‎04-22-2013
0

Re: Trying for AMEX

Really appreciate it. Actually, to be perfectly honest, all CLI's I spoke of in my original post were not solicited. When I went to make my monthly payments they were just there. 2 increases from Kohl's, 4 from SmartConnect, 1 from CreditOne, 1 from Walmart, 1 from CapOne.
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Trying for AMEX


Creditaddict wrote:

APPLY NOW... If you want and can afford the Platinum, apply for that... you should have instant APPROVAL!


I agree, go for it!!! :smileyhappy:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Epic Contributor
Creditaddict
Posts: 22,106
Registered: ‎10-23-2007
0

Re: Trying for AMEX

Look at thread "American Express Experience"

 

This poster was instant for Gold, then read about all things here and really just wanted Platinum and went back and got approved for that with the bonus points too.

Fico Scores: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Trying for AMEX

You said you have a paid baddie on 03/13?

Your score looks good,
But idk how much score will factor in if you have a pif baddie that recently...

But by all means, try your luck :-)
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
dodgerslv
Posts: 1,843
Registered: ‎06-16-2012
0

Re: Trying for AMEX

I can tell you i got approved for a charge and BCP with a EX score under 700. I had 2 paid collections that were under 2 years old and 2 old Chargeoffs from 2007. My charge approval was instant and the revolver took about 2 minutes after i got the 7-10 day message. Good luck and keep us updated!


Cards: (Citi- 82.7k) (Chase- 65k)) (US Bank- 18k) (Amex- 22.5k) (Barclays-40k) (BofA- 68k) (Cap1- 49.5K) (WF- 11k) (Penfed- 22.5k) (Discover- 8k) (Sync/GE- 15.7k) (NASA- 30k) (Diners- 15k)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Contributor
nvrgvupnvrsrndr
Posts: 191
Registered: ‎04-22-2013
0

Re: Trying for AMEX

The "baddie" was from close to two years ago but I paid it off as of 3/13. Not sure how that factors into the equation. Any insight?
Contributor
nvrgvupnvrsrndr
Posts: 191
Registered: ‎04-22-2013
0

Re: Trying for AMEX

You can bet I'll post the outcome when I pull the trigger in a few days. Just waiting to make sure my most recent payments are all posted to get my CU at my goal of 8%. Patiently biding my...deferred gratification...hopefully as rewards card well earned.
Frequent Contributor
phillyguy12
Posts: 345
Registered: ‎03-16-2011
0

Re: Trying for AMEX

the score and income are there the only thing i would worry about is OP says alot of the accounts are within the last 6 months


Amx BCE-9000,Amx Zync-NSPL
Barclay's Mastercard-5600
Credit Union Visa-1200
Discover-1900, Khols-1000

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