topic Re: Would I qualify for Hiltons Honor Amex? in Credit Card Applications

Would I qualify for Hiltons Honor Amex?

Anonymous — Thu, 04 Jun 2020 19:00:41 GMT

Hi!

It's been a while since I've applied for a new credit card. I figured I should add some new to my profile. My TU is 718 and my Experian is around 655. Would I qualify for the Hilton card?

i did the prequal and noting came up on the Amex site but the card offer has been on my Hilton account for sometime.
No baddies, no inquiries.
Other card suggestions are welcome as well.
Thank you

Re: Would I qualify for Hiltons Honor Amex?

Stralem — Thu, 04 Jun 2020 19:09:10 GMT

655 is pushing it... Any bankruptcies on file or any other history with Amex?

Edit: Misread your post, edited accordingly.

Re: Would I qualify for Hiltons Honor Amex?

dragontears — Thu, 04 Jun 2020 19:08:40 GMT

@Anonymous wrote:
Hi!
It's been a while since I've applied for a new credit card. I figured I should add some new to my profile. My TU is 718 and my Experian is around 655. Would I qualify for the Hilton card?
i did the prequal and noting came up on the Amex site but the card offer has been on my Hilton account for sometime.
No baddies, no inquiries.
Other card suggestions are welcome as well.
Thank you

If you have no "baddies" what is holding your score down? High utilization? I ask because applying with high credit card balances is not recommended.

Re: Would I qualify for Hiltons Honor Amex?

Anonymous — Thu, 04 Jun 2020 19:11:23 GMT

Do you have any other amex cards? If so when you actually click through the application button does it say expand your membership or XXXX you're preapproved? 63 point difference between reports is pretty large, might want to check to see whats causing the difference.

Re: Would I qualify for Hiltons Honor Amex?

Anonymous — Thu, 04 Jun 2020 19:13:28 GMT

I currently do not have any Amex cards. I believe that my Discover is reporting to my TU but not to my Experian

Re: Would I qualify for Hiltons Honor Amex?

Anonymous — Thu, 04 Jun 2020 19:14:36 GMT

My TU utilization is 25% and for Experian it is at 56%

Re: Would I qualify for Hiltons Honor Amex?

Anonymous — Thu, 04 Jun 2020 19:16:16 GMT

No bankruptcy. No Amex history. I think my utilization is the issue with my Experian. My Discover reports to my TU but not to Experian. So my TU util is good. Maybe I'll get my Experian down some more and app later in the year.

Re: Would I qualify for Hiltons Honor Amex?

Anonymous — Thu, 04 Jun 2020 19:18:47 GMT

Defintely work on getting the Ultilization down first, also is the discover new; someone correct me if i'm wrong but they are known to report to all 3, maybe it's just lagging to update info.

Re: Would I qualify for Hiltons Honor Amex?

Anonymous — Thu, 04 Jun 2020 19:23:17 GMT

I've had Discover for over 5 years now. I may contact them about reporting because I believe that's what the hold up is on my Experian. It's sort of bizarre.

Re: Would I qualify for Hiltons Honor Amex?

Mr_Mojo_Risin — Thu, 04 Jun 2020 21:09:26 GMT

@Anonymous wrote:
Defintely work on getting the Ultilization down first, also is the discover new; someone correct me if i'm wrong but they are known to report to all 3, maybe it's just lagging to update info.

Discover definitely reports to all 3 CRA's.

Re: Would I qualify for Hiltons Honor Amex?

Mr_Mojo_Risin — Thu, 04 Jun 2020 21:12:35 GMT

@Anonymous wrote:
I've had Discover for over 5 years now. I may contact them about reporting because I believe that's what the hold up is on my Experian. It's sort of bizarre.

You should definitely contact Discover if they're not reporting your account to EX after 5 years. Something sounds off here.

So your EX report does NOT show your Discover account?

Re: Would I qualify for Hiltons Honor Amex?

Anonymous — Thu, 04 Jun 2020 21:28:39 GMT

I just checked and no it's not reporting. I'll definitely contact them. I'll get the remaining balances down as well.

Re: Would I qualify for Hiltons Honor Amex?

Anonymous — Thu, 04 Jun 2020 21:42:14 GMT

I'd definitely contact Discover. Also as far as other recommendations it depends on what you're looking for? You didn't mention which HH you're interested in so it's hard to offer other options. Plus, there's not much travel right now, so I'm not sure what the lure to the HH is. I have a HH aspire and it's hard to justify the AF, I'll probably be downgrading to the free card when it's time to renew.

Re: Would I qualify for Hiltons Honor Amex?

Anonymous — Thu, 04 Jun 2020 21:50:25 GMT

The Hilton Honors card lured me because I travel very very frequently for business and I use Hilton every time. So the card was offered in my profile.

I was saving the pull for the Delta card, so I may just stick with that.

I do know Barclays pulls TU for their cards and have had a few offers from them as well. My util is very low month to month with TU and by September, it will be even lower.

Re: Would I qualify for Hiltons Honor Amex?

M_Smart007 — Thu, 04 Jun 2020 22:43:08 GMT

@Anonymous wrote:
The Hilton Honors card lured me because I travel very very frequently for business and I use Hilton every time. So the card was offered in my profile.

I was saving the pull for the Delta card, so I may just stick with that.

I do know Barclays pulls TU for their cards and have had a few offers from them as well. My util is very low month to month with TU and by September, it will be even lower.

"My TU utilization is 25% and for Experian it is at 56%"

I would work on that Utilization before applying with Amex. JMHO

Some food for thought on "AZEO" ..

https://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/ABCD2199-s-Eleven-Rules-to-Credit-Rebuilding/td-p/5074148

Re: Would I qualify for Hiltons Honor Amex?

Anonymous — Thu, 04 Jun 2020 22:43:44 GMT

Without a full snapshot of your profile including cards, balances, limits, account ages, baddies, etc, we cant begin to guess what your odds are. Many of us including myself were approved for cards with Amex with scores lower than yours. I got Hilton and Delta within an hour of each other on a 638 EX score with no preapprovals. Others have been denied with scores much higher. We need to know how your profile as a whole looks to even hazard a guess.

Re: Would I qualify for Hiltons Honor Amex?

Anonymous — Thu, 04 Jun 2020 22:51:23 GMT

@Anonymous

No baddies, no inquiries, just high util.
So I'll have my friend who is more fluent than myself with the credit stuff take a look. I've helped others with their profile and have done my own in the past, but for some reason I seem to have hit a wall. My friend has said what you said about others being approved with a lower score and that I should be okay. Thank you for your input.

Re: Would I qualify for Hiltons Honor Amex?

Anonymous — Thu, 04 Jun 2020 22:52:59 GMT

@M_Smart007

Thanks for the link.

Re: Would I qualify for Hiltons Honor Amex?

M_Smart007 — Thu, 04 Jun 2020 23:11:31 GMT

@Anonymous wrote:
@M_Smart007

Thanks for the link.

No problem @Anonymous and welcome emoti.gif to the forums

Re: Would I qualify for Hiltons Honor Amex?

Brian_Earl_Spilner — Thu, 04 Jun 2020 23:40:33 GMT

Even though people, like myself, have been approved with low scores, I'd hold off until you fix EX. Amex has said that it's pulling back on new customers, so it may be harder to get in at this time. You'll probably want to optimize your chances first.