Reply
Established Contributor
Posts: 586
Registered: ‎02-22-2011
0

What is going on with all the Amex love! :(

Gosh...all these approvals from Amex is making want to app for the BCE! I've been trying to garden though...I just had 5 inq in march. And 3 inq in may from a car loan. Opened 2 CC's back in march so I'm waiting for those to age a little bit. Gosh...decisions decisions....it's so hard.lol. Anyone think I'd get approved with my new accts posted or should I wait?
CL-5kNPSLCL-3.6kCL-4kCL-7.5kCL-7kCL 7.9kCL-4.2k
GARDENING SINCE 07/13/13
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: What is going on with all the Amex love! :(

Established Contributor
Posts: 586
Registered: ‎02-22-2011
0

Re: What is going on with all the Amex love! :(

How long do you think is a good enough time?
CL-5kNPSLCL-3.6kCL-4kCL-7.5kCL-7kCL 7.9kCL-4.2k
GARDENING SINCE 07/13/13
Valued Contributor
Posts: 2,040
Registered: ‎06-16-2012
0

Re: What is going on with all the Amex love! :(

[ Edited ]

zeusta20 wrote:
Gosh...all these approvals from Amex is making want to app for the BCE! I've been trying to garden though...I just had 5 inq in march. And 3 inq in may from a car loan. Opened 2 CC's back in march so I'm waiting for those to age a little bit. Gosh...decisions decisions....it's so hard.lol. Anyone think I'd get approved with my new accts posted or should I wait?

i know what you mean. I have 8 INQ in from March thru May and are all credit card HP's and 5 new accounts in the last 3 months so dont feel too bad. I got declined on my first request for 3xCLI and recieved the letter yesterday and it was for low fico score (even though it was 706 on the letter) and also the times creditors have viewed my credit report which i know that was the real main reason for getting declined. 2 new accounts is not that much but to be on the safe side i would wait 6 months and you should be good for an AMEX.

Cards: (Chase x7) (Citi x6) (Amex x6) (BofA x3) (US Bank x3) (Barclays x4) (WF x2) (Cap1 x4) (Synch x4) (Penfed x2) (Macys Amex, Discover, USAA, Fidelity, NASA x1), PLOC: Citi (18k) WF (10k), Personal Loan: USAA (25K), Auto Loans: Ally, Audi Financial.
Moderator
Posts: 27,207
Registered: ‎09-13-2012
0

Re: What is going on with all the Amex love! :(

At least 6 mos. assuming, you have 2 new cc's and a new car loan.
Valued Contributor
Posts: 1,465
Registered: ‎08-30-2011
0

Re: What is going on with all the Amex love! :(


09Lexie wrote:
At least 6 mos. assuming, you have 2 new cc's and a new car loan.

+1...around Christmas would be a good time....AMEX full of good cheer and all that...! :smileyvery-happy:

Diners Club Premier MasterCard $50K / AMEX Gold NPSL / AMEX Zync NPSL / AMEX Blue Cash Preferred $14K / Bank of America Cash Rewards Signature Visa $15K / Merrill Lynch Plus Signature Visa $15K / Wells Fargo Propel 365 $15K / Chase Sapphire Preferred Signature Visa $10K / J P Morgan Select Signature Visa $10K / Chase Slate Visa $6K / CITI Diamond Preferred MasterCard $13.2K / Discover IT $10.5K / IberiaBank Select Visa $8K / 1st Command Bank Platinum Visa $7.5K // Home Depot $9.7K / Lowes $10K

EX = 818 EQ = 822 TU = 830 - 01/2015
Established Contributor
Posts: 560
Registered: ‎02-11-2013
0

Re: What is going on with all the Amex love! :(


zeusta20 wrote:
Gosh...all these approvals from Amex is making want to app for the BCE! I've been trying to garden though...I just had 5 inq in march. And 3 inq in may from a car loan. Opened 2 CC's back in march so I'm waiting for those to age a little bit. Gosh...decisions decisions....it's so hard.lol. Anyone think I'd get approved with my new accts posted or should I wait?

Here are mine, all since Jan 2013... :smileysad:  :smileysad: 

 

I'm done for a good while..   Good luck to ya..

 

Experian® Equifax® TransUnion® Hard Inquiries 

  
    
12136 
   

 

$30,500$18,500NPSL$15,000$10,000$25,000$32,000
Established Contributor
Posts: 586
Registered: ‎02-22-2011
0

Re: What is going on with all the Amex love! :(


thom02099 wrote:

09Lexie wrote:
At least 6 mos. assuming, you have 2 new cc's and a new car loan.

+1...around Christmas would be a good time....AMEX full of good cheer and all that...! :smileyvery-happy:


I'm hoping Amex will give me a pretty high limit as a good xmas gift :smileyhappy: lol My goal is to get a limit above 10k. But I'd be pretty happy with 8k.

CL-5kNPSLCL-3.6kCL-4kCL-7.5kCL-7kCL 7.9kCL-4.2k
GARDENING SINCE 07/13/13
Established Contributor
Posts: 586
Registered: ‎02-22-2011
0

Re: What is going on with all the Amex love! :(

[ Edited ]

09Lexie wrote:
At least 6 mos. assuming, you have 2 new cc's and a new car loan.

Thats what I was thinking...

 

One thing that makes me question or confuse me sometimes is.....I hear it a lot to wait 6 months, etc. But isn't the inquiries still on your credit report? Because I thought it takes up to two years for inq's to fall off. And when I see denials, sometimes I see its because there's too many inq's in the last 12 months. Would they hold it against you if you app after 6???

CL-5kNPSLCL-3.6kCL-4kCL-7.5kCL-7kCL 7.9kCL-4.2k
GARDENING SINCE 07/13/13
Established Contributor
Posts: 586
Registered: ‎02-22-2011
0

Re: What is going on with all the Amex love! :(


RSCo wrote:

zeusta20 wrote:
Gosh...all these approvals from Amex is making want to app for the BCE! I've been trying to garden though...I just had 5 inq in march. And 3 inq in may from a car loan. Opened 2 CC's back in march so I'm waiting for those to age a little bit. Gosh...decisions decisions....it's so hard.lol. Anyone think I'd get approved with my new accts posted or should I wait?

Here are mine, all since Jan 2013... :smileysad:  :smileysad: 

 

I'm done for a good while..   Good luck to ya..

 

Experian® Equifax® TransUnion® Hard Inquiries 

  
    
12136 
   

 


Wow...thats a lot of inq's...lol. You should be fine though! You have tons of cards with amazing limits! I don't care to have so many cards, but I'm pretty jealous about your limits!! lol

CL-5kNPSLCL-3.6kCL-4kCL-7.5kCL-7kCL 7.9kCL-4.2k
GARDENING SINCE 07/13/13
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.