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I recently applied for a blue cash everyday and a green charge card and got denied for both. I have applied to a couple other cards since the start of the year, so I have some recent hard inquiries on my report.
My question is how long should I wait before I reapply for an amex? 6 months? 1 year? I'm looking at the delta one for travel rewards(or if you think I have a better chance at another card, that). I am also hoping to have a new job that pays more so I can feel comfortable forking over an annual fee.
I established credit last february with a secured card from wells fargo and I recently was approved for a discover it and usaa platinum visa. I am also hoping that I graduate from the secured card, but plan to cancel it whenever I get an amex and stick with three cards in all. That and I am moving away from wf altogether.
I would recommend you give it another 6 months before trying again.
What does your file look like? Inqs, baddies, scores...etc?
I think I have a total of nine hard inquiries total since feb 2012, 5 or six since the new year. No baddies. Amex declined me, score on experian was 722 though.
@ajumbaje wrote:I think I have a total of nine hard inquiries total since feb 2012, 5 or six since the new year. No baddies. Amex declined me, score on experian was 722 though.
This does not look like declinable info. I could see them getting a little weary of 5-6 inqs in the last month. What did it say on the letter? When do those other 3 inqs come off?
@ajumbaje wrote:I think I have a total of nine hard inquiries total since feb 2012, 5 or six since the new year. No baddies. Amex declined me, score on experian was 722 though.
no baddies 722 seems kinda low for no baddies what was your debt / credit ratio? average age of accounts?
well i just opened a discover line and a usaa line. The secured card had a 400$ limit so utilization is high. Discover has a 1k limit and I am about to make my first payment. Usaa has a 4k payment and I have yet to receive it in the mail. Utilization will definitely drop.
also applied for(and declined):
blue cash everyday
green charge card
capone venture
chase amazon
all since january.
@ajumbaje wrote:well i just opened a discover line and a usaa line. The secured card had a 400$ limit so utilization is high. Discover has a 1k limit and I am about to make my first payment. Usaa has a 4k payment and I have yet to receive it in the mail. Utilization will definitely drop.
also applied for(and declined):
blue cash everyday
green charge card
capone venture
chase amazon
all since january.
Sorry, but you need to stop applying. These denials with HPs are not good at all. You are going to get denjed off the bat because of too much inquiries.
What is your utilization, this maybe hindering you from getting approved.
THIN File then?
Wait 3 months and apply for Green Charge... IF you get approved you can try for Delta, Blue whatever you want that is revolving but do Charge first and don't apply for others if denied Green. Skip Capital One in future unless you don't mind the 3 pulls which you don't seem to, but make SURE they are offering you something,... no offer... no apply!
Did you try to recon the Chase Amazon? I would now if it's been within 30 days, they can be okay about recon sometimes, and Amazon seems to be talked about as an easier in a few times in past.