topic Re: Approval odds....looking at Amex Gold and Hilton Surpass cards... in Credit Cards

Approval odds....looking at Amex Gold and Hilton Surpass cards...

Anonymous — Wed, 12 May 2021 18:03:20 GMT

As it says gang, I am looking at my odds for these next 2 cards...as of 5/12/2021 my EX FICO 8 is 691. I have eleminated all collections from my CR and only have 3 30 day lates and a 6 year old CO (which lead to aforemention removed collection) on my EX, EQ, and TU files. I was wondering what my approval odds might be for one or both of these cards. Amex has yet to update my Fico 8 on their app, so I know I need to at least wait until that happens, but just wanting a general consensus. I've had my Amex Delta Gold for 4 months, always either PIF or let it be my one card in AZEO that reports ~ 10% util then of course its PIF'd. Overall revolving util is ~2.5-3%. Anyways thanks in advance for any and all input you all can provide me with...and have a good day and stay healthy!

edited to include total util.

Re: Approval odds....looking at Amex Gold and Hilton Surpass cards...

jcooks — Thu, 13 May 2021 02:07:17 GMT

Go to the application page and see if you're pre-approved. You would have a much better chance if it says you're pre-approved as apposed to applying to expand...

Re: Approval odds....looking at Amex Gold and Hilton Surpass cards...

Anonymous — Wed, 12 May 2021 18:40:55 GMT

@jcooks I will certainly try that once Amex updates their Fico score...my score went up 47 points since their last SP...

Re: Approval odds....looking at Amex Gold and Hilton Surpass cards...

Ficoproblems247 — Wed, 12 May 2021 20:11:02 GMT

Also to note, is that once they update their FICO score for you to view, they will very likely continue to use the old score for their lending decisions for a bit longer. I've read varying speculations about how long to wait, but different folks have recommended anywhere from a week to a full month to be on the safe side. If it were me, I would wait until the score updates + at least a few more weeks. Also, like was already pictured in the previous post, look for the pre-approved verbiage too. That should be a pretty solid indication how they're feeling as well.

Re: Approval odds....looking at Amex Gold and Hilton Surpass cards...

W261w261 — Thu, 13 May 2021 01:15:04 GMT

Second that above. I waited until my EX F8 was 690, then until I saw a SP from Amex (current cardholder), then another couple days.

When I was approved, they quoted a score of 676 (last one before it jumped). Hard to say what machinations were involved there, but do wait awhile after a score jump.

Re: Approval odds....looking at Amex Gold and Hilton Surpass cards...

Anonymous — Thu, 13 May 2021 01:47:06 GMT

Yea I am certainly going to wait until they update the app, then I may even pull EX and look for their most recent SP date. Hopefully after all that I'll get the deathmedic you are pre approved message when I clicky the appy button lol.

Re: Approval odds....looking at Amex Gold and Hilton Surpass cards...

Anonymous — Thu, 20 May 2021 14:48:14 GMT

Well, Amex updated the Fico 8 on 5/11 shows an EX F8 of 673. Still no deathmedic911, you're pre approved lingo when I click on apply for either card (for giggles I clicked on the basic Hilton and the Green card as well- same results with the applying to expand verbiage). So either I need to wait a bit longer and try again or perhaps come back in a month or 2 and see whats up after a bunch of inquries from car shopping last June become unscorable.

Maybe this is a sign to stop looking at my credit every day and just check on things every so many weeks. Anyways, everyone have a great day and stay safe!

Re: Approval odds....looking at Amex Gold and Hilton Surpass cards...

Jervo007 — Thu, 20 May 2021 19:44:55 GMT

I got approved for the AMEX Gold back in 2019 when my score was around 654 with 3/30 from 2016. As mentioned, I headed over to their application page just to see if I was in luck, and luck was on my side that day. The only other card I had at the time was my secured Discover Card. I was surprised to say the least and while a pre-approval is no guarantee, I pulled the trigger anyway and was floored when I came back approved. Since then – its been my daily driver for 95% of my expenses. We use the points to book our flights with their airline partners every year.

Sounds like you're in about the same shape than I was then but with a higher score. Only difference is maybe Covid has them taking a closer look at applicants. At any rate, best of luck! Its such an awesome card.

Re: Approval odds....looking at Amex Gold and Hilton Surpass cards...

jcooks — Fri, 21 May 2021 11:05:38 GMT

@Anonymous wrote:
Yea I am certainly going to wait until they update the app, then I may even pull EX and look for their most recent SP date. Hopefully after all that I'll get the deathmedic you are pre approved message when I clicky the appy button lol.

Be careful of looking out for a SP from Amex. Every time you check your Fico Score or go to Free Credit Score and Report on Amex app, I believe those trigger SP from them as well. Ultimately, you won't know if that SP on EX will be from you or from them automating it.

Re: Approval odds....looking at Amex Gold and Hilton Surpass cards...

K-in-Boston — Fri, 21 May 2021 17:07:09 GMT

@jcooks wrote:
@Anonymous wrote:
Yea I am certainly going to wait until they update the app, then I may even pull EX and look for their most recent SP date. Hopefully after all that I'll get the deathmedic you are pre approved message when I clicky the appy button lol.
Be careful of looking out for a SP from Amex. Every time you check your Fico Score or go to Free Credit Score and Report on Amex app, I believe those trigger SP from them as well. Ultimately, you won't know if that SP on EX will be from you or from them automating it.

The "free score" is a TransUnion VS3. When looking at your FICO score through the now-buried link, it will only show the most recent Experian FICO 8 they have, and there will be no additional pull to refresh.

Re: Approval odds....looking at Amex Gold and Hilton Surpass cards...

Brian_Earl_Spilner — Fri, 21 May 2021 17:14:50 GMT

Just pull the trigger. Your score is high enough for both. I accidentally applied for the gold and my Delta platinum on the same day not realizing scores hadn't been updated. Both approved with a 625 EX8. Neither showed pre-approvals.

Re: Approval odds....looking at Amex Gold and Hilton Surpass cards...

Anonymous — Fri, 21 May 2021 18:38:39 GMT

@Brian_Earl_Spilner wrote:
Just pull the trigger. Your score is high enough for both. I accidentally applied for the gold and my Delta platinum on the same day not realizing scores hadn't been updated. Both approved with a 625 EX8. Neither showed pre-approvals.

Thanks, I will give it a go probably Tuesday or Wednesday, just to be sure the updated scores are in, plus I don't want to get the dreaded "you haven't been an Amex customer long enough" message...But perhaps 4 months of payment history and usage isn't enough in the pandemic/post pandemic era.

Re: Approval odds....looking at Amex Gold and Hilton Surpass cards...

Anonymous — Fri, 21 May 2021 23:00:11 GMT

@Brian_Earl_Spilner @K-in-Boston @@Just to confirm, a 673 EX is good enough for the Gold charge and Hilton Surpass, correct. Of course profile dependent and a YMMV situation I know. Of course if they say no it's try again next month or 2 so not worried there. Scores might go up a small amount in June as 3 or 4 inquiries turn a year old from auto shopping last year

Re: Approval odds....looking at Amex Gold and Hilton Surpass cards...

Brian_Earl_Spilner — Fri, 21 May 2021 23:58:55 GMT

Co-branded cards require about a 640, charge cards about 650

Re: Approval odds....looking at Amex Gold and Hilton Surpass cards...

GrandBay — Mon, 24 May 2021 02:38:34 GMT

Pull the trigger & if its a no wait 30 - 60 days. There's a lag between the app and the info that they use so I would not wait on those updates. But if you prefer that route... then update + 30 days is the way to go.

Re: Approval odds....looking at Amex Gold and Hilton Surpass cards...

Anonymous — Mon, 24 May 2021 20:29:00 GMT

Well I went to apply for the Surpass, got the pop up concerning welcome bonuses...so backed out of that app. Proceeded to the Gold charge, no pop up, instant denial. Reasons noted were Fico score 673, too short of time as cardmember, and lastly too many inquiries. Well I guess I'm off to the garden for a while. Perhaps I'll try again towards the end of summer, let things age a bit. Thanks everyone for the input though.

Re: Approval odds....looking at Amex Gold and Hilton Surpass cards...

Anonymous — Mon, 24 May 2021 21:31:50 GMT

Also I'm guessing that an attempt at recon would be pretty unsuccessful am I right?

Re: Approval odds....looking at Amex Gold and Hilton Surpass cards...

FinStar — Mon, 24 May 2021 21:48:32 GMT

@Anonymous wrote:
Also I'm guessing that an attempt at recon would be pretty unsuccessful am I right?

If those reason(s) are consistent to what is on your CRs, pretty much so. Some folks have tried that route, but it doesn't always yield unicorns and rainbows. This will be totally up to you and decide whether it's worth the effort.

Re: Approval odds....looking at Amex Gold and Hilton Surpass cards...

Anonymous — Mon, 24 May 2021 22:19:16 GMT

@FinStar wrote:
@Anonymous wrote:
Also I'm guessing that an attempt at recon would be pretty unsuccessful am I right?
If those reason(s) are consistent to what is on your CRs, pretty much so. Some folks have tried that route, but it doesn't always yield unicorns and rainbows. This will be totally up to you and decide whether it's worth the effort.

I totally understand too new to Amex, even though my card says 1996, I only re established my relationship with them in January after 20+ years of not having a card with them. The inquiries thing I understand, as 12/12 and 6/6 on apps is probably too much too fast for them, even though the last 3 are prime cards and I'm slowly closing subprime lenders down. The credit score one is a mystery to an extent because it was my understanding that 673 would lend itself to approval for a charge or co branded card.

As for the SUB pop up on the Surpass I'm not sure why I got that, only the Delta Gold I got in January has had a sign up bonus, and I got it pretty quickly, like withing 5 weeks of having the card, and that was with normal spend.

Anyways I guess August looks like a good time to try again, though I will troll the pre approval options monthly lol.

Re: Approval odds....looking at Amex Gold and Hilton Surpass cards...

Anonymous — Mon, 24 May 2021 22:21:07 GMT

Oh, one last thing, if I decided to attempt recon what exactly is the process...do I actually get to speak with someone who has decision making abilities, or what.

Thanks!!