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Posts: 10,932
Registered: ‎12-30-2011
Re: AMEX latest day to apply to get 2012 member date
[ Edited ]

pat0812 wrote:

I'm going to have 6 months in November 17, but I was wondering if increasing my limit

with Wells Fargo would get me more chances to get approved for a charge card with AMEX

should I apply in November or December ?

Your historical limits are pretty irrelevant for Amex charge approvals, it's more a factor of income.  I wouldn't sweat this.


Honestly though, I'd take the shot twice: November, and then December if not approved; however, I'm firmly of the opinion that a '12 backdate is much better than a '13 backdate over the next 3-4 years, and as such an extra inquiry to me if needed is utterly trivial in comparison (since it's minimal damage and that's gone score-wise in a year anyway).


Good info from others posted about the date; however, with the 7-10 day possibility, earlier is better.  I don't think that limits or a 7th reported month will make more than a marginal difference, so I'd simply take the shot after the sixth reported month on my tradeline.

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 693, EQ 8 685, TU 705, EX 709 (02/27/15)
Goal Score: 700 on EQ 04 (01/01/16)

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