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

Established Contributor

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?
Bank of America Cash Rewards Visa Sig-15k
Chase Sapphire Reserve Visa Infinite-10k
Chase Freedom-4k
1st Financial Bank USA-11.4k
USAA Amex-7.5k
USAA Visa Sig-7k
Citi Thank you Preferred-4.8k
Citi Diamond-2k
Amex Gold-NPSL

FICO8-11/2017
EX: 737
EQ: 722
TU: 735
Message 1 of 15
14 REPLIES
Moderator Emerita

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

Message 2 of 15
Established Contributor

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

How long do you think is a good enough time?
Bank of America Cash Rewards Visa Sig-15k
Chase Sapphire Reserve Visa Infinite-10k
Chase Freedom-4k
1st Financial Bank USA-11.4k
USAA Amex-7.5k
USAA Visa Sig-7k
Citi Thank you Preferred-4.8k
Citi Diamond-2k
Amex Gold-NPSL

FICO8-11/2017
EX: 737
EQ: 722
TU: 735
Message 3 of 15
Valued Contributor

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?

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.

gardening since 5/21/2016
Message 4 of 15
Moderator Emerita

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.
Message 5 of 15
Valued Contributor

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...! Smiley Very Happy

EX = 849 EQ = 850 TU = 850 as of 07/2017
Retired and Retiring Cards!
Message 6 of 15
Established Contributor

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... Smiley Sad  Smiley Sad 

 

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
Message 7 of 15
Established Contributor

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...! Smiley Very Happy


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

Bank of America Cash Rewards Visa Sig-15k
Chase Sapphire Reserve Visa Infinite-10k
Chase Freedom-4k
1st Financial Bank USA-11.4k
USAA Amex-7.5k
USAA Visa Sig-7k
Citi Thank you Preferred-4.8k
Citi Diamond-2k
Amex Gold-NPSL

FICO8-11/2017
EX: 737
EQ: 722
TU: 735
Message 8 of 15
Established Contributor

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.

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???

Bank of America Cash Rewards Visa Sig-15k
Chase Sapphire Reserve Visa Infinite-10k
Chase Freedom-4k
1st Financial Bank USA-11.4k
USAA Amex-7.5k
USAA Visa Sig-7k
Citi Thank you Preferred-4.8k
Citi Diamond-2k
Amex Gold-NPSL

FICO8-11/2017
EX: 737
EQ: 722
TU: 735
Message 9 of 15
Established Contributor

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... Smiley Sad  Smiley Sad 

 

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

Bank of America Cash Rewards Visa Sig-15k
Chase Sapphire Reserve Visa Infinite-10k
Chase Freedom-4k
1st Financial Bank USA-11.4k
USAA Amex-7.5k
USAA Visa Sig-7k
Citi Thank you Preferred-4.8k
Citi Diamond-2k
Amex Gold-NPSL

FICO8-11/2017
EX: 737
EQ: 722
TU: 735
Message 10 of 15