Re: AMEX latest day to apply to get 2012 member date[ Edited ]
10-12-2012 10:13 PM - edited 10-12-2012 10:14 PM
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 670, Wally TU 700, EX 718 (11/29/13, EX 07/11/13)
Goal Score: 680 in all three (01/01/14)
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