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Would this be wrong to do?

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j_casteel
Valued Contributor

Would this be wrong to do?

App for an AMEX card once a month to get a free EX FICO score and it only cost a SP?

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

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7 REPLIES 7
Cdnewmanpac
Established Contributor

Re: Would this be wrong to do?

1. I believe you have to wait 60 days after a decline before you app again.
2. I dont think amex uses the same exp model as chase and citi. Apps a few weeks apart with no change in report had radically different scores.
3. How would this help you? You would know what amex thinks your fico is, but in the context of a decline. If your score is 740, but you grt declined, what do you do with that information? If it is 670, but you get accepted, does that change something?
4. If you smack a tiger in the nose, please dont subsequently complain when it bites you.
In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.
Message 2 of 8
j_casteel
Valued Contributor

Re: Would this be wrong to do?

It was just a thought I had. I app'd and got the Zync in June. Then on August 5th I app'd for the PRG, but was declined. It only cost me a SP and I also got a real EX FICO score which was from a SP they did on 7/28. I was under the impression a person could apply with AMEX every 31 days.
Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 3 of 8
jamesdwi
Valued Contributor

Re: Would this be wrong to do?

Behavior outside of the norm with AMEX is a good way to get a FR, I would advise against this plan, 

Cards: Chase Southwest 20k & CSR 17k & CSP 10k & FNBO 30k Oregon Duck 5k, & AMEX BCP 32.5k & Amex Magnet 15k&amg; Hilton Surpass 7.5k & Delta Gold 12k & Zync NPSL, Fidelity AMEX 17k Commerce5.9k & Cash Forward 7.5k & Sams Club MC 20k, Paypal Extras MC 10k, Paypal Credit 7.25k CapOne Venture 15k, QS 2.5k, QS 750, Amazon 10k, Walmart 10k, Citi Simplicity 18k, Discover IT 23k and a nice stack of store cards.
Landmarkcu Personal Loan 10k
Message 4 of 8
j_casteel
Valued Contributor

Re: Would this be wrong to do?

That's why I wanted to ask before doing something like this....I won't be doing it.

Thanks for the replies
Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 5 of 8
jsickz32
Valued Contributor

Re: Would this be wrong to do?

I apped for one amex a week after a got my first amex. A month after that i applied for two and got one approved other denied. 16 more days to go and i will apply again. Lol
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 6 of 8
Crashem
Valued Contributor

Re: Would this be wrong to do?

You can app 31 days after rejection.  Personally I thever if gotten recently rejected (90 days), your next app with take a little ding with internal scoring.  Also not sure if Amex score is pure fico.  Might be a card enhanced or custom score for Amex.

               LIMITS IN CARD DESCRIPTIONS
Message 7 of 8
bichonmom
Senior Contributor

Re: Would this be wrong to do?


@jamesdwi wrote:

Behavior outside of the norm with AMEX is a good way to get a FR, I would advise against this plan, 


+1 You might as well send Amex a letter saying, "Please FR me." Smiley Happy

 

 

EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

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