Established Contributor
Posts: 766
Registered: ‎01-16-2012
Re: Amex question

as others mentioned, you will get an open date of 1/12. That will help you a little bit. But not very much, because most auto lenders use  an auto enhanced fico, which scores in favor of auto loan history, then installment history, then revolving history. So any bump you get will be smaller than it would be for a traditional fico score. I would be surprised if it makes enough difference to change your interest rate on your car loan, which is going to be high. It might make a difference if you are borderline for approval at all. Also, I think you are borderline for an Amex revolver. Delta gold, maybe.

In wallet: Ink Plus 10k, AMEX TE 25k. In bag: CSP 16k, USAA WMC 15k, Hyatt 13k, United MPE 12k, AMEX HHonors 3k. In SD: Cap 1 QS 5k, Discover IT 7k. FICO 08 says my EQ is now 844, was 510 in 2010.