topic Re: AMEX Chances in Credit Card Applications

AMEX Chances

Anonymous — Tue, 17 Nov 2015 23:31:11 GMT

I haven't received any pre-qualified offers. Do I have a chance at either the SPG or ED? Thanks in advance. Stats: 695 EX Income high-$80s 13 INQs, 8 of which are a result of financing a car this past March. AAoA 4.1 years Util 0% Last late payment 14 months ago. One current revolving account, Capital One Quicksilve One - $800.

Re: AMEX Chances

Anonymous — Tue, 17 Nov 2015 22:14:03 GMT

Absolutely. With those stats I've be shocked if you didn't get approved.

Re: AMEX Chances

Anonymous — Tue, 17 Nov 2015 22:14:12 GMT

I'd*

Re: AMEX Chances

Anonymous — Tue, 17 Nov 2015 22:49:55 GMT

I was a bit put off by the lack of a pre-qualified offer. Cold-apping just seems

risky.

Re: AMEX Chances

Anonymous — Tue, 17 Nov 2015 22:52:25 GMT

Nah I don't think that's an indication of whether you'd be approved or not. Those stats are pretty iron clad.

Re: AMEX Chances

Anonymous — Tue, 17 Nov 2015 23:32:50 GMT

I'll give the SPG a shot and apply through my account with Starwood.

Re: AMEX Chances

Anonymous — Wed, 18 Nov 2015 00:55:59 GMT

You have solid stats, what is causing the 695 score?

Re: AMEX Chances

Anonymous — Wed, 18 Nov 2015 01:25:49 GMT

Unfortunately, 30-day lates are the cause. And those inqs from March....

Re: AMEX Chances

Anonymous — Wed, 18 Nov 2015 02:43:30 GMT

If you didn't receive a pre approval from American Express then I wouldn't apply for the SPG or ED.

Re: AMEX Chances

Anonymous — Wed, 18 Nov 2015 13:52:24 GMT

So it's better not to apply for the ED or SPG without the pre qualified offer? I didn't think it was possible to pre qualify for the SPG.

Re: AMEX Chances

Anonymous — Wed, 18 Nov 2015 14:21:59 GMT

Any reason why I receive Pre-qualified offers for Capital One Venture/Quicksilver and Citi Double Cash, but nothing for American Express or Chase?

Re: AMEX Chances

Anonymous — Wed, 18 Nov 2015 15:07:29 GMT

I cold apped with Amex for my PRG and BCE, no pre quals and was still approved, with quite favorable terms as well. I'd say go for it.

Re: AMEX Chances

Anonymous — Wed, 18 Nov 2015 15:22:28 GMT

Did you apply for the charge card first and then the credit card?

Re: AMEX Chances

Anonymous — Wed, 18 Nov 2015 16:39:18 GMT

@Anonymous wrote:
If you didn't receive a pre approval from American Express then I wouldn't apply for the SPG or ED.

If I followed that advice I'd have no Amex cards.

Re: AMEX Chances

Anonymous — Wed, 18 Nov 2015 16:45:54 GMT

Apply for the SPG via my starwood account and if approved, apply for the PRG via the AMEX site and they should count as one HP?

Re: AMEX Chances

Anonymous — Wed, 18 Nov 2015 18:45:37 GMT

Or apply for the SPG via the AMEX site?

Re: AMEX Chances

Anonymous — Wed, 18 Nov 2015 20:55:52 GMT

You should just apply for the SPG through your membership and then immediately apply for the EDP unless you just want a charge card.

Re: AMEX Chances

Anonymous — Wed, 18 Nov 2015 21:56:15 GMT

Really? I wasn't aware that you could apply for two credit cards using the same HP.

Re: AMEX Chances

Anonymous — Wed, 18 Nov 2015 22:35:40 GMT

Done. Approved. $4k for the SPG. I've wanted this card for five years I can't thank all of you enough.

Re: AMEX Chances

Anonymous — Fri, 20 Nov 2015 04:06:36 GMT

@Anonymous wrote:
Done. Approved. $4k for the SPG. I've wanted this card for five years I can't thank all of you enough.

Great job. Enjoy it.