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military man trying to join the amex family.questions,advice,help.

Contributor

military man trying to join the amex family.questions,advice,help.

Long story short is that i want to join amex but dont know when.
Ill list my standings:

9 credit cards=15,100 credit over all.
Credit limits range from 300-7,000
All 0 balance.
Always paid on time,no baddies what so ever on my record.
My oldest accounts are 3 years
My aaoa is 1.2
Now here is the catch,the only catch i can think of...
I have 15 injuries within the last 2 years,which most of them will fall off this year leaving me with 6 inquiries.

One last thing my Ex fako score is 738,was 769 till i got all those inquiries.

O ya my income is 50k
Message 1 of 102
101 REPLIES
Super Contributor

Re: military man trying to join the amex family.questions,advice,help.

how many inquires on EX

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 2 of 102
Contributor

Re: military man trying to join the amex family.questions,advice,help.

How many inquiries do you have in the past 12 months (those are the ones that affect your score)?

Capital One 2006--$5,000 ||| AMEX Macy's 2008--$2,300 ||| Kohl's 2009-- $1,000 ||| JCP 2010-- $1,000 ||| Walmart Discover 2010-- $5,000 ||| Sears 2011 -- $3,600 ||| Sears 2011 -- $3,500 ||| Chase Freedom 2012--$7,500 ||| Discover IT 2013 -- $4,000
||| Chase Sapphire Preferred 2013 -- $10,000

SCORES: EQ FICO: 787, EX FAKO: 801, TU FICO: 790 (Lender Pull)
Message 3 of 102
Contributor

Re: military man trying to join the amex family.questions,advice,help.

15 on Ex
Message 4 of 102
Contributor

Re: military man trying to join the amex family.questions,advice,help.

I believe i want to say the remaining 6 i wil have at the end of this year once the rest clear off.
Message 5 of 102
Valued Contributor

Re: military man trying to join the amex family.questions,advice,help.

In my experience, American Express doesn't care about inquiries. I just got approved for two of their cards with their inquiry being the 23rd on Experian. In June last year I had about 15 or something and was instantly approved for another card from them. All inquiries were accrued last year.

 

My history was a lot shorter than yours when I got the Blue Cash Everyday, so I see no reason you wouldn't get any card you want from them.

Message 6 of 102
Super Contributor

Re: military man trying to join the amex family.questions,advice,help.

Your scores are good IMO you may want to wait until those inquires drop off...You look good tho

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 7 of 102
Contributor

Re: military man trying to join the amex family.questions,advice,help.

Forgot to add....i have two installment loans
A car loan which still has 11k and a furniture loan that still has 4k
Message 8 of 102
Contributor

Re: military man trying to join the amex family.questions,advice,help.

What cards were those?ive herd that they only like seeing 2 pushing 3 if that.
Message 9 of 102
Contributor

Re: military man trying to join the amex family.questions,advice,help.

Thats the thing,i dont wanna wait any longer lol.
Message 10 of 102