Re: American Express Approvals!
12-15-2011 11:07 AM
CM; I didn't even notice your original post was early September lol.
I do have an AMEX charge product, the Zync, got it mid September. I didn't apply for a revolver with them at that time as I was 99% sure it wouldn't get approved. I mostly applied for the BCE Dec 1st because I read it would most likely be a soft since I was already a member and I really wanted to see my EX FICO. I would have been a bit surprised yet thrilled had the BCE been approved LOL. I would really liked to have had the extra AAoA added through my AMEX backdating had the BCE gone through (favorite feature of all with AMEX). I wondered if that might be part of the reason you got the AMEX products you did (it's the main reason I want any of them really).
I'm lucky to have spotless reports, no lates etc (ok, luck really had nothing to do with it lol). What's hurting my score is util and new accounts. A couple of which are AU. Most of which still have 0% interest so makes no sense to pay them off (there's the problem with 0%, it's great but the price is util lowering CS's I guess). With any luck, adding about 25k (joint NFCU, my individual NFCU and More) will drop my UTIL quite a bit. At least while we have balances during the 0% promo's we're taking advantage of. I'm also keeping (so far) my inq's under the double digit mark in hopes that helps, TU up to 5 now, I think EQ maybe 6, EX 7. Each will lose 1 in Jan (2 year old Cap One triple threat HP lol).
Oh, I have checked the credit pulls database and whogaveme credit etc. That info really put me in shock about my More limit.
Also like you, I really have to say had I not researched MyFico, there is no way I'd have the cards I do now. Without the info here, other than paying on time etc, dealing with credit would be a lot like stumbling around in the dark. We all know to pay on time, but that's really just a small part of navigating the credit map, MyFico is kind of my GPS for the credit world.