topic Re: When Can I apply? in Credit Card Applications

When Can I apply?

Anonymous — Thu, 16 Jul 2015 22:51:06 GMT

My credit score is as shown in my signature, but I do have some late payments on file. Is there a typical time frame I should wait before applying for a Discover IT or AMEX Everyday Blue? I checked my prequal listings on Amex's site, and they have me prequal'd for a Gold, Everyday, and Green card.

I shouild add that I currently have a capital one platinum and capital one quicksilver, both of which are paid off.

Re: When Can I apply?

Anonymous — Thu, 16 Jul 2015 23:14:01 GMT

Amex pre-equal are solid. Your scores are in the range people get approved for. So apply for the one you want. If you do apply, report back with results. How old are your late payments if you don't mind me asking?

Re: When Can I apply?

Creditaddict — Thu, 16 Jul 2015 23:12:40 GMT

@Anonymous wrote:
My credit score is as shown in my signature, but I do have some late payments on file. Is there a typical time frame I should wait before applying for a Discover IT or AMEX Everyday Blue? I checked my prequal listings on Amex's site, and they have me prequal'd for a Gold, Everyday, and Green card.

I shouild add that I currently have a capital one platinum and capital one quicksilver, both of which are paid off.

if you are getting pre-qual on Amex I would try it out... you can typically get a charge card and credit card back to back and with 1 pull. (go for gold)

discover is anyone's guess I feel, they typically are pretty easy to get for those with thinner files.

Re: When Can I apply?

Anonymous — Thu, 16 Jul 2015 23:19:20 GMT

Thanks to both for the quick responses! I have a late payment reported 2 months ago(then promptly set up auto-pay to keep myself from being an ass). Outside of that, nothing over the past 2 years.

Re: When Can I apply?

Anonymous — Thu, 16 Jul 2015 23:29:40 GMT

@Anonymous wrote:
Thanks to both for the quick responses! I have a late payment reported 2 months ago(then promptly set up auto-pay to keep myself from being an ass). Outside of that, nothing over the past 2 years.

Ok.. You have a strong chance of approval.. Go for it if you want it.

Re: When Can I apply?

Anonymous — Thu, 16 Jul 2015 23:31:40 GMT

What are your scores? People on phones can't see them unfortunately. 😁

Re: When Can I apply?

Anonymous — Thu, 16 Jul 2015 23:32:22 GMT

Did you app yet?

Re: When Can I apply?

Anonymous — Thu, 16 Jul 2015 23:37:48 GMT

Did not apply yet. Working on a paper, then I will apply for the AMEX. Damn priorities

My scores are 659 EX, 651 EQ, 651 TU

Re: When Can I apply?

Anonymous — Thu, 16 Jul 2015 23:43:17 GMT

@Anonymous wrote:
Did not apply yet. Working on a paper, then I will apply for the AMEX. Damn priorities

My scores are 659 EX, 651 EQ, 651 TU

Good.. Report back whenever you apply with results. Will keep fingers looped for you.

Re: When Can I apply?

Anonymous — Fri, 17 Jul 2015 00:13:44 GMT

Hi guys, I was unfortunately declined and was told I would receive a notice in the mail within 10 days. . . Trying to look at the bright side, at least now I know not to apply for any cards at the moment and focus on gardening. Any added advice is welcomed.

Re: When Can I apply?

Anonymous — Fri, 17 Jul 2015 00:15:38 GMT

@Anonymous wrote:
Hi guys, I was unfortunately declined and was told I would receive a notice in the mail within 10 days. . . Trying to look at the bright side, at least now I know not to apply for any cards at the moment and focus on gardening. Any added advice is welcomed.

What?? What did the message say? Did you apply through the pre-approval? Which card did you apply for?

Re: When Can I apply?

Anonymous — Fri, 17 Jul 2015 00:27:08 GMT

I applied for the Everyday through the prequal link on the site.

Re: When Can I apply?

Anonymous — Fri, 17 Jul 2015 00:30:55 GMT

@Anonymous wrote:
I applied for the Everyday through the prequal link on the site.

And it said declined or did you get a pending message?

Re: When Can I apply?

Anonymous — Fri, 17 Jul 2015 00:43:19 GMT

I was straight declined.

Re: When Can I apply?

Anonymous — Fri, 17 Jul 2015 01:23:07 GMT

@Anonymous wrote:
I was straight declined.

Ok.. Sorry to hear. Amex pre-equals are very solid. All is not lost yet.. I suggest you call and try to recon it / have it manually review. If you really want it, recon it as you have taken the hard pull.

Re: When Can I apply?

Anonymous — Fri, 17 Jul 2015 01:26:33 GMT

+1
Also let them know you were pre qual for it. I know it's not a guarantee, but it may help.