topic Re: Hello 👋 in Credit Card Applications

Amex Application Question

Anonymous — Mon, 20 Aug 2018 01:25:09 GMT

Hello I have a question I’m new to this well I apply for Amex card and it’s still in progress for manual review. I want to no have anyone experience this before. This will be my first Amex card I apply for a green card my scores is not bad my Experian score is 776 no negative accounts no inquiries I have 3 au accounts on my file the oldest one is 6 years old I want to no wat change I have for being approved.

Hi @Anonymous, I've updated your thread title to clarifiy your topic. Feel free to edit if you would like. --UB

Re: Hello 👋

Pikaboo-icu — Tue, 24 Jul 2018 01:06:01 GMT

Welcome to My Fico

That's actually a great score.

I don't know what else is in your profile, other credit history, income etc... but you should be able to get approved with that score.

Do you have any loans or cards of your own?

Re: Hello 👋

Anonymous — Tue, 24 Jul 2018 01:15:42 GMT

No I don’t have any of my own but I don’t have no lates no collections no negative no bankruptcy no inquiries I have 4 accounts that I’m a authorized user on 1 Account is 2.6 years the other one is 1.5 years and the oldest one is 6.1 years

Re: Hello 👋

Pikaboo-icu — Tue, 24 Jul 2018 01:44:19 GMT

Well good luck to you..

If the AMEX doesn't work out, try for Discover.

They will work with thin files- they have a preapproval site so try it first..

Being an AU is great but some CC's want to see a history of your own-

I hope you get the AMEX but just in case...

Let us know what happens.. **fingers crossed**

CHEERS

PS You are aware the AMEX green must be paid in full each month, yes?

Re: Hello 👋

Anonymous — Tue, 24 Jul 2018 01:59:15 GMT

Yes I am I apply for 2 of there cards the Amex everyday preferred card they wanted proof of address for that card that was all

Re: Hello 👋

Anonymous — Tue, 24 Jul 2018 02:11:05 GMT

Thanks I will let y’all no

Re: Hello 👋

Anonymous — Tue, 24 Jul 2018 02:22:36 GMT

Don’t they have cards for building credit history

Re: Hello 👋

Anonymous — Tue, 24 Jul 2018 02:59:53 GMT

@Anonymousmy scores is not bad my Experian score is 776

What is the source of your 776 score? It's important to know if it's a FICO (meaningful) score, or if it's an unmeaningful one like something from the VS 3.0 model.

Re: Hello 👋

Anonymous — Tue, 24 Jul 2018 03:21:13 GMT

It’s my actual fico 8 score Experian

Re: Hello 👋

Anonymous — Tue, 24 Jul 2018 14:33:10 GMT

Now amex saying they will stick with the original decision because the first time i apply they couldn’t pull my score up because I forgot that I lock my credit file wat can I do it’s no inquiries on my Experian at all but the system still showing in progress

Re: Hello 👋

Anonymous — Tue, 24 Jul 2018 21:04:15 GMT

I’m back I got a denied saying they couldn’t get my score from Experian I forgot I had a lock on my file wat can I do now

Re: Hello 👋

Pikaboo-icu — Tue, 24 Jul 2018 21:17:58 GMT

@Anonymous wrote:
I’m back I got a denied saying they couldn’t get my score from Experian I forgot I had a lock on my file wat can I do now

You can unlock your EX and ask for a reconsideration.

Re: Hello 👋

Anonymous — Tue, 24 Jul 2018 21:45:08 GMT

Well I try to they said they will stick with the decision oh well they couldn’t put no inquiry on my report

Re: Hello 👋

Anonymous — Tue, 24 Jul 2018 21:45:46 GMT

Guess I have to wait to apply again it was for the amex green card

Re: Hello 👋

Anonymous — Thu, 26 Jul 2018 17:41:15 GMT

Have a update finally someone give me a chance to build more credit history with them

Re: Hello 👋

Anonymous — Sat, 11 Aug 2018 00:37:56 GMT

Do anyone no if care credit is a good card to have open does anyone no any other banks that pull transunion my score is 787 transunion

Re: Hello 👋

Anonymous — Sat, 11 Aug 2018 00:38:59 GMT

Trying to open more lines up

Re: Hello 👋

AverageJoesCredit — Sun, 19 Aug 2018 13:17:25 GMT

Hello, I think you will get more advice if you have more specific questions and give more detail on your credit profile. What are your current FICO 8 for TU, EX, EQ? your average age of accounts AAOL? how many hard pulls HPs do you currently have? Any credit cards in your profile? Any baddies like charge offs etc.

Sometimes if you just post Hello and aren't real specific, many will glance over your post. Hope we can help. If your TU is a true 787, you should be able to get most cards but remember score, income, history all play a part. Let us know SHABBA

Re: Hello 👋

Anonymous — Sun, 19 Aug 2018 13:55:08 GMT

Well I don’t have no baddies my tu is 787 my EQ is 736 and my EX is 768 my oldest Account is 6 years I have 5 inquiries on tu I have 2 inquiries on EX and 8 on EQ

Re: Hello 👋

AverageJoesCredit — Sun, 19 Aug 2018 15:51:36 GMT

Ok, that seems great. Low inquiries and great scores. Do you have any credit cards, loans ,etc and if you dont mind sharing general figure of income.