topic Re: Amex chances? in Credit Card Applications

Amex chances?

rrr66 — Wed, 18 Nov 2015 03:07:52 GMT

I would really like to get a BCP. Nothing comes up for me on the Amex site. I have an EXP 706, 10 inq, 7% util, only bads are lates all past 12 months ago, AAofA over 8 years, income 200k +

Any chance on a BCP? And if not, what product do you think? Is it just one charge and one revolver you can do with Amex at same app time?

Thanks in advance for the advice.

Re: Amex chances?

Anonymous — Wed, 18 Nov 2015 13:36:45 GMT

I'm not an expert, but I've seen people get the BCP with scores and accompanying factors less than you. I'd say go for it, with a score voer 700 and income over 200k like you said, I wouldn't hesitate pulling the trigger if that's what you want. I never got nor do I get pre qual offers on the amex website, I just cold apped for the BCP and I had a good number of inquiries stemming from when I revamped my credit game back in the early Spring of this year. My only question would be are the inquiries all from the same time period or spread out over the course of a a few months to a year?

Re: Amex chances?

rrr66 — Wed, 18 Nov 2015 14:45:49 GMT

5 Inquiries in June of this year, 4 in October, and 1 in November.

Basically underwent a rebuild in June, with score increase added some Chase in October, with a couple of denials from Credit Unions, and then added Cap 1 in early November.

Re: Amex chances?

Anonymous — Wed, 18 Nov 2015 18:58:59 GMT

How many late payments? 30, 60, 90, 120? Size of them? Type, ie auto, cc, loan, etc.