topic Re: Just another 'should I apply' thread for AMEX in Credit Card Applications

Just another 'should I apply' thread for AMEX

Anonymous — Thu, 23 Jun 2016 13:04:45 GMT

So, before my mortgage loan hits my credit I am trying to round up any more credit cards I'd like to have before my credit takes the big hit from my loan. I found the AMEX Everyday Cash card and I am highly interested in it but I am not sure if I should bother. I used their form on their website to see if I had any prequal offers, and I do not, but they suggested 3 cards to me 'based o my interests'.

My Experian FICO is approx 710, TU 690 EQ 680. Should I bother with this card or go ahead and try to get the others that I want then try the AMEX last? I'll be dropping all my apps today, I am not sure how long it'll take for the mortgage to show up but I am certain it'll hinder my abilities to get any good cards. Thanks.

Re: Just another 'should I apply' thread for AMEX

Anonymous — Thu, 23 Jun 2016 14:14:54 GMT

Do you mean Blue Cash Everyday? Because Everyday and Everyday Preferred are MR points cards.

Anyhow, with that EX score you should be fine assuming your overall profile is clean, utilization is not high etc

Re: Just another 'should I apply' thread for AMEX

CatOfSpades — Thu, 23 Jun 2016 18:44:42 GMT

Barring nothing crazy on your report, and I'm assuming not since you just secured your mortgage, I don't see any reason why they wouldn't approve you. It's not that hard to get an Amex.

Re: Just another 'should I apply' thread for AMEX

adamkingadam — Thu, 23 Jun 2016 19:37:22 GMT

@Anonymous wrote:
So, before my mortgage loan hits my credit I am trying to round up any more credit cards I'd like to have before my credit takes the big hit from my loan. I found the AMEX Everyday Cash card and I am highly interested in it but I am not sure if I should bother. I used their form on their website to see if I had any prequal offers, and I do not, but they suggested 3 cards to me 'based o my interests'.

My Experian FICO is approx 710, TU 690 EQ 680. Should I bother with this card or go ahead and try to get the others that I want then try the AMEX last? I'll be dropping all my apps today, I am not sure how long it'll take for the mortgage to show up but I am certain it'll hinder my abilities to get any good cards. Thanks.

FWIW I applied and was approved for a Blue Cash card with AMEX three weeks ago with FICO's in the 630 Range. Only a 1,000 SL but the rep said after 90 days I could apply for a CLI.

Re: Just another 'should I apply' thread for AMEX

RonM21 — Thu, 23 Jun 2016 21:50:59 GMT

As the others said, with your scores I would think the likelihood of approval is high. The above post is a good example of how ymmv with these things.

Re: Just another 'should I apply' thread for AMEX

Anonymous — Sat, 25 Jun 2016 19:50:46 GMT

Denied. Bankruptcy in 2012. Clean since then. Good management history and everything since 2012. I really want an actual review done before I give up but idk what to do,now.

Re: Just another 'should I apply' thread for AMEX

Aprile421 — Mon, 04 Jul 2016 14:37:16 GMT

I closed on Tuesday on my house. I am in same boat as you. I wanted to apply for any cards I had been wanting before the mortgage hits and my scores dip a bit. I had been wanting the BCP from Amex for awhile since most of my monthly spend is gas and groceries. I went to the site did the pre qualify and it did the same thing. Said it couldn't find anything but suggested 3 cards. I went ahead and cold app'd for the BCP and I was instantly approved for $6000 my scores are very similar to yours so I think you probably have a good chance. They pulled Experian for my application.

Re: Just another 'should I apply' thread for AMEX

Anonymous — Mon, 04 Jul 2016 14:39:49 GMT

Thanks, but with a 4.5yr old bk they blatantly told me they want nothing to do with me til 7 to 10yr after the bk closed. Lame as heck but it is what it is.

Re: Just another 'should I apply' thread for AMEX

Aprile421 — Mon, 04 Jul 2016 14:41:01 GMT

Sorry to hear that. Gives you something to work towards though

Re: Just another 'should I apply' thread for AMEX

SouthJamaica — Mon, 04 Jul 2016 15:16:37 GMT

@Anonymous wrote:
Denied. Bankruptcy in 2012. Clean since then. Good management history and everything since 2012. I really want an actual review done before I give up but idk what to do,now.

I wouldn't necessarily accept that statement as gospel. You get different answers from different people at these companies.

If you really want an Amex card, you can check periodically to see if you are prequalified.

Also bear in mind it's easier to get their charge cards than their credit cards, although to some people, like myself, they're less useful.

Re: Just another 'should I apply' thread for AMEX

Meanmchine — Mon, 04 Jul 2016 19:25:28 GMT

Would OP still have the same problem if he apped for Delta Skymiles?

Re: Just another 'should I apply' thread for AMEX

Anonymous — Mon, 04 Jul 2016 19:31:40 GMT

I did the same thing. Closed on Mortgage and Went on a app spree and was approved for an AmEx Everyday with a 2k limit with a 660 VantageScore. No Bankruptcy though

Re: Just another 'should I apply' thread for AMEX

Anonymous — Tue, 05 Jul 2016 04:49:22 GMT

meanmchine,

Do you think it makes a different based on the product? I guess charge cards are easier to get?

Re: Just another 'should I apply' thread for AMEX

morgacj2004 — Tue, 05 Jul 2016 05:43:50 GMT

To offer u some hope there are people on this board who got approved by AX 3-4 yr post BK. ESP on co branded. Try the AX Delta Gold, Scwab AX or PFCU AX easier to get and nay open the door later on for other AX products.

Re: Just another 'should I apply' thread for AMEX

MontegoMack — Thu, 14 Jul 2016 01:58:06 GMT

From what I understand (and I welcome a correction), a Centurion Bank American Express is different from getting an American Express from another bank. It may be called co-branding with other banks.

If you want to just have a card with the AMEX logo, you can get it from a number of different banks with different degrees of difficulty. You can get even a secured AMEX through SavingsStar. Unfortunately, it's not the same as "getting in" with American Express - Centurion Bank.

Re: Just another 'should I apply' thread for AMEX

CostantinoA — Thu, 14 Jul 2016 02:08:11 GMT

I was approved for Amex Hilton with BK that discharged 02-2008 and score of 628 and 90 inquires.

Re: Just another 'should I apply' thread for AMEX

morgacj2004 — Thu, 14 Jul 2016 03:15:04 GMT

AX will sometimes let u in 4-5 yrs post BK if not IIB.

Re: Just another 'should I apply' thread for AMEX

Vegas4Play — Thu, 14 Jul 2016 06:42:32 GMT

Sad to hear about your denial....Maybe next yaer early try the pre approval site....did you try that route this time or was it a cold app?

Re: Just another 'should I apply' thread for AMEX

Scupra — Thu, 14 Jul 2016 18:58:31 GMT

@Anonymous wrote:
Thanks, but with a 4.5yr old bk they blatantly told me they want nothing to do with me til 7 to 10yr after the bk closed. Lame as heck but it is what it is.

Nah! Their new rule is 5 years you don't have much longer