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Member
Posts: 43
Registered: ‎03-21-2012
0

What are my Approval Odds?

[ Edited ]

TU =721, EXP = 720 as of 10/3/2012 (no negatives lates Bk's or CO's) just approved for the Amex T.E. (Costco) last week still waiting to get it via mail they did a manual review as I recon for this card that was done on 10/12/2012 through experian. My Green and Zync have a NPSL, and as of tonight I could possible run these amounts below through.  I only had these cards since 7/19 approved on 7/13/2012. What are my odds for getting approved for the Platinum card and not triggering a flag?

Your inquiry to spend $12000 has been APPROVED. This approval is based on your

account information available at this time.

ZYNC® Card - xxxxx

LIMIT DETAILS TOTAL

Spending Limit No Pre-Set LimIT

Your inquiry to spend $12000 has been APPROVED. This approval is based on your

account information available at this time.

Green Card - xxxxx

LIMIT DETAILS TOTAL

Spending Limit No Pre-Set Limit

Established Contributor
Posts: 912
Registered: ‎06-14-2012
0

Re: What are my Approval Odds?

Is that Experian score you listed a Fico or Fako? Why did you have to Recon for the AMEX T.E.?


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Member
Posts: 43
Registered: ‎03-21-2012
0

Re: What are my Approval Odds?

Real scores. I had an error on my Experian report that showed up on 8/8/2012 had it removed, but for some reason when I app'd for the T.E. card Amex was basing my credit report from Experian on that same date 8-8-2012.  I talked to two reps as I did not understand why they were using a credit report from two months ago. I also told them that there was an error on the report which has since been deleted. Then she asked if I would like them to do a manual review and do the HP I said, yes please. And then approved it took two days but they pulled it on the 10/12/2012 and approved at like 11am so it was quick. 

Established Contributor
Posts: 912
Registered: ‎06-14-2012
0

Re: What are my Approval Odds?

Well congrats on the approval. How long have you had the Zync and Green cards? Whats the rest of your credit profile look like?


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Member
Posts: 43
Registered: ‎03-21-2012
0

Re: What are my Approval Odds?

Clean no blemishes. Got the cards back in 7/19/2012 approved 7/12/2012. Utility is less than 3%, 1.3 years of reporting credit.

Established Contributor
Posts: 912
Registered: ‎06-14-2012
0

Re: What are my Approval Odds?

From the looks of it, it seems you shouldn't have a problem with getting approved for the platinum. If you could wait though, you could just upgrade your green card to the Platinum card and save a HP. Any particular reason you want the Zync, Green and Platinum charge cards?


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Member
Posts: 43
Registered: ‎03-21-2012
0

Re: What are my Approval Odds?

I do not need the Zync or Green if I get the Platinum, but I would want to keep them for atleast a full year before I close them. I just want to be sure I also get the bonus points, as of today I would have had the Zync and Green for just over 90 days.

Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: What are my Approval Odds?

Congrats on the approval! Seems with the more recent report they pulled, Platinum looks to be a good bet.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: What are my Approval Odds?

I agree on PC'ing the Green to the Platinum. Save yourself the HP.



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
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