amex should i apply

[MercyMe]

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princeromeo wrote:

i have 7 inquries is that too much?

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  Good heavens!  If they were counting inquiries, I never would have been approved!

[MercyMe]

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princeromeo wrote:

i have recently opened new accounts hich might hurt me but they all have no balances the only big balance i hve is a credit union card its got a 15k limit and my balance is 11,800 other then that my chase credit card should update anyday i paid them all off  the new account are macys kay jeweleres  and a personal credit line from the union  so maybe i should wait and apply in 6 months right i mean on may 30 when i applied my score was 594 it has gotten a lot better ive always wanted a amex card but really dont wanna get denied again

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The 11,800's a bit high.  Maybe it would be best to pay that down a bit?

[princeromeo]

how many inq did you have?

[MercyMe]

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@Anonymous wrote:

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@princeromeo wrote:

the blue is better isnt it

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i think 671 is good enough to get a blue. they check TU though. my credit score when i got my blue was 681 for TU. i too have always wanted amex.... but now that I have it, i don't know what the big fuss was about. lol... it's the same as any other cards I have... just prettier plastic.

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Prettier plastic that ISN'T everywhere you want to be, huh? 

[Anonymous]

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@MercyMe wrote:

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@princeromeo wrote:

i have recently opened new accounts hich might hurt me but they all have no balances the only big balance i hve is a credit union card its got a 15k limit and my balance is 11,800 other then that my chase credit card should update anyday i paid them all off the new account are macys kay jeweleres and a personal credit line from the union so maybe i should wait and apply in 6 months right i mean on may 30 when i applied my score was 594 it has gotten a lot better ive always wanted a amex card but really dont wanna get denied again

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The 11,800's a bit high. Maybe it would be best to pay that down a bit?

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Nah, i have a $15k credit line and used up $14k of it, and still got approved for a blue.

[fused]

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princeromeo wrote:

i have recently opened new accounts hich might hurt me but they all have no balances the only big balance i hve is a credit union card its got a 15k limit and my balance is 11,800 other then that my chase credit card should update anyday i paid them all off  the new account are macys kay jeweleres  and a personal credit line from the union  so maybe i should wait and apply in 6 months right i mean on may 30 when i applied my score was 594 it has gotten a lot better ive always wanted a amex card but really dont wanna get denied again

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Other than BKs, Amex hates to see high util even if it's on just one card. Your credit union card has 79% util and you have a lot of new inqs. IMO, I would not apply!

[Anonymous]

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@MercyMe wrote:

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@Anonymous wrote:

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@princeromeo wrote:

the blue is better isnt it

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i think 671 is good enough to get a blue. they check TU though. my credit score when i got my blue was 681 for TU. i too have always wanted amex.... but now that I have it, i don't know what the big fuss was about. lol... it's the same as any other cards I have... just prettier plastic.

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Prettier plastic that ISN'T everywhere you want to be, huh?

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This is true...

[princeromeo]

i guess ill wait i mean i pay everything i just wanted to earn bussiness with amex thats all i was told the delta is easy to get

[fused]

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princeromeo wrote:

i guess ill wait i mean i pay everything i just wanted to earn bussiness with amex thats all i was told the delta is easy to get

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the delta is easy to get if you do not have a lot of inqs and a large revolving balance. if you applied today I would say your chances for approval are 50/50.

[princeromeo]