Credit Cards

[TWMAZ]

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

[gettnthere]

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

[TWMAZ]

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. 

[gettnthere]

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

[TWMAZ]

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.

[gettnthere]

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?

[TWMAZ]

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.

[Epcot]

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

[LS2982]

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