10-10-2009 10:21 PM
10-10-2009 10:37 PM
How many is "a lot" of inquiries? I app'd and was approved for the Costco Amex True Earnings with an EX of about 750 (ballpark) and two inquiries.
10-11-2009 12:17 AM
i just checked my experian score today and it's 727, but i have a lot of inquiries. is it possible to be approved for an amex card? any opinions on which amex cards are easiest to get?
Where did you get your EX score from?
10-11-2009 05:35 AM
i just checked my experian score today and it's 727...
10-11-2009 07:42 PM
10-11-2009 07:52 PM
I got my experian score from the experian website. But myfico equifax and transunion scores are both above 700. I have 12 inquiries listed along with the negatives. Only negatives include a low age for credit (1 year and 4 months) and recently opened accounts (student loans and 3 new credit cards the past three months). Do student loans affect my chances? I have never missed a payment on anything. My revolving credit utilization is only 7%. I just turned 19 years old, and I'm going to be traveling abroad a lot for school. I want at least two more rewards card that will give me good deals.
Student loans doesn't affect your chances. Your AAoA and utilization may pose a problem. Before being recon to get approved, I was denied while having pristine credit and with no recent inquiries and $0 CC balances. I was told by the CSR my risk score was too high. I didn't accept that. I told her I have high FICO scores and she offered to send my app for recon. I got approved for $2000 a day later.
Good luck getting approve with AMEX.
10-11-2009 08:02 PM
10-11-2009 08:04 PM
I am only one year older then the OP and I got an instant approval for Amex gold. My AAOA is very low and I had a decent amount of inquiries.
Hear that OP. You may have a chance. The only way to find out is apply. If you get denied ask for a recon immediately.
10-11-2009 08:37 PM