Established Contributor
shakalaka
Posts: 567
Registered: ‎09-10-2012
Re: Declined for AMEX Green. Advice ?

pat0812 wrote:

I have a Wells fargo $300 secured card

Capital One Platinum (unsecured) $500

Walmart Store Card $400

 

Always PIF and i never go above 9% UTI

Never made a payment late, my report is clean

 

The only thing is that I have only 5 reported months on my report

 

So you all say i should wait till December and get my first score to see which card i should apply for ? What are my chances with the green or gold ?


Depends what follows after ZYNC. But in December you should be good to go for Green. 5 months was/is the problem. There should be at least one TL with 6 months reporting.

 

I would wait until December. The will most certainly pull all three cr, and if you are not approved in November ... Patience is your friend. I know it is hard. But December will still give you 2012 for backdating later.

 


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (24,800) | Discover IT (12,700) | Chase Freedom (6,300) | Walmart (4,500) | CapOne (4.000) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 758 (10/12) EQ 724 (10/22) EX 748 (12/5)