topic Re: Applying for AMex in Credit Cards

Applying for AMex

Anonymous — Tue, 11 Oct 2011 00:37:20 GMT

I am AU on my dads gold Amex....how long should i wait to apply for one of my own?

Re: Applying for AMex

RussianPassion — Tue, 11 Oct 2011 00:39:42 GMT

You provide us with no info at all to be able to give you rational advice.

Re: Applying for AMex

Anonymous — Tue, 11 Oct 2011 01:00:32 GMT

sorry, thought it would be just a standard question...lol. Was added on his amex gold last month. he's been a member since 86. have 5 open cc accounts, all in good standing, never late and low balances. No collections, one satisfied judgement from 2010 on my ex report...anything else?

Re: Applying for AMex

Anonymous — Tue, 11 Oct 2011 03:28:30 GMT

They like to see at least 2 yrs of history on at least 2 tradelines.

Your EX in your signature might be a tad low for AmEx - they almost always pull Experian. Is the judgement the only thing holding your score down?

Also, it will be helpful if you have only a few inquiries, and low utilization <20% or so.

At any rate you should be sure your AU Amex has reported on your EX for at least one cycle before you go for it.

Re: Applying for AMex

Anonymous — Tue, 11 Oct 2011 11:21:12 GMT

thanks! no, its a collection that was just added and its in the process of being removed...its soo annoying when they put things on your report that are not correct and take forever in removing them. its mostly the short history i believe thats keeping me down a bit as well. Once amex reports on my cr at end of billing cycle, it will add 25 years for that card and 5 years plus for average..again, once collection removed, it will def raise it up.

Re: Applying for AMex

tntexans72 — Tue, 11 Oct 2011 18:14:27 GMT

If you can get that judgement removed...hit the app button.

Re: Applying for AMex

Jazzzy — Tue, 11 Oct 2011 19:57:00 GMT

@Anonymous wrote:
sorry, thought it would be just a standard question...lol. Was added on his amex gold last month. he's been a member since 86. have 5 open cc accounts, all in good standing, never late and low balances. No collections, one satisfied judgement from 2010 on my ex report...anything else?

They'll want to know your income. They may even ask for proof of income.