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Established Contributor
zeusta20
Posts: 586
Registered: ‎02-22-2011

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
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09Lexie
Posts: 24,451
Registered: ‎09-13-2012

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

Established Contributor
zeusta20
Posts: 586
Registered: ‎02-22-2011

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

How long do you think is a good enough time?
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Valued Contributor
dodgerslv
Posts: 1,693
Registered: ‎06-16-2012

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.



biggest limits: BofA Privilege (33K)/ BofA Cash Rewards (27k)/ Citi AA WEMC (26k)/ Penfed Rewards (22.5k)/ Chase United Explorer (22k)
Fico 08 scores (6/21/14) EX: 758 TU: 759 EQ: 755 (high Utilization for me at the moment @10% so gardening mode).





Moderator
09Lexie
Posts: 24,451
Registered: ‎09-13-2012

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
thom02099
Posts: 1,317
Registered: ‎08-30-2011

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:

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 = 768 EQ = 828 TU = 834 - June/2014
Frequent Contributor
RSCo
Posts: 472
Registered: ‎02-11-2013

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 
   

 

Citi Hilton Honors: $25,000 -- Amex PRG: $NPSL -- Citi TY Premier World: $9,880 -- NWFCU: $7,500 -- Citi Home Depot: $7,000 -- Citi AAdvantage Platinum Visa Sig: $5,000 -- Visa Black Card: $5,000 -- Discover IT: $5,000 -- AmexTrueEarnings: $5,000 -- Amex Gold Delta: $4,500 -- Pottery Barn: $4,000 -- Ethan AllenGE: $4000 -- Chase Slate: $2,500 -- CapOne Platinum: $2,500 -- CapOne Platinum: $2,500 -- AmazonGE: $2,200 -- Barclays BJs: $1,800 -- WalmartGE: $1,500 -- PenFed LOC: $500
Established Contributor
zeusta20
Posts: 586
Registered: ‎02-22-2011

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
zeusta20
Posts: 586
Registered: ‎02-22-2011

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
zeusta20
Posts: 586
Registered: ‎02-22-2011

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

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