Valued Contributor
Posts: 1,339
Registered: ‎09-11-2012
Re: Amex question

pat0812 wrote:

i have only 7 months credit history but I have already 4 cc 

i started credit in may 2012

walmart recently raised my limit from 400 to 1050


wells fargo $300 secured 

capital one $500

amex gold  NPSL (opened November 2012)


i need to buy a car soon and I was wondering if applying 

in January for an amex revolver will help me?

would it backdate to January 2012 and will it make it look like my history  is 1 year old ? Or will my 

credit history show up as I started it in January in stead of may ?

will that help me?

Seems like you asked this before. If you don't have a lot of inq, you can apply for amex revolver. However, I am not sure if you would be approve with thin file. The good news is that if you get denied, it would be a sp.


As for a car loan, how much are we talking about? a focus? beeemer? or corvette?

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%