topic Re: What is your Amex application timeline? in Credit Cards

What is your Amex application timeline?

NyaBuksh — Tue, 14 May 2013 20:15:28 GMT

Hi,

I want an Amex card so badly that I did an app spree last month. Now I do not know whether to wait for 30 days or 6 months to apply again. Please see below:

03/18/13 - Business Green Rewards - Declined

03/28/13 - PRG - Cancelled

03/28/13 - Delta - Cancelled

04/22/13 - Business Green Rewards - Declined

Also, I read somewhere that Delta Gold is the easiest card to get. Is that true?

I would appreciate it if you could tell me your Amex app timeline.

Thanks!

Re: What is your Amex application timeline?

Anonymous — Tue, 14 May 2013 21:09:00 GMT

Delta is supposedly the easiest revolver to get. The charge cards are easier to get overall though. You probably should have stopped after the first declined. You are going to need to wait 6 months (at least, IMO) now because they will think you look desperate more than likely and just continure denying you.

Edit: Also, a 631 FICO is probably a bit low for AMEX. Wait until you reach the 660-680s.

Re: What is your Amex application timeline?

jsickz32 — Tue, 14 May 2013 21:11:10 GMT

You need to wait 30 days after being denied by amex to app again.

Re: What is your Amex application timeline?

LS2982 — Tue, 14 May 2013 21:26:40 GMT

@Anonymous wrote:
Delta is supposedly the easiest revolver to get. The charge cards are easier to get overall though. You probably should have stopped after the first declined. You are going to need to wait 6 months (at least, IMO) now because they will think you look desperate more than likely and just continure denying you.

Edit: Also, a 631 FICO is probably a bit low for AMEX. Wait until you reach the 660-680s.

This ^^^^^^^^^^^^^^^^^^^

I would wait 6 months and start your relationship with them with a charge card.

Re: What is your Amex application timeline?

Anonymous — Tue, 14 May 2013 21:28:14 GMT

Re: What is your Amex application timeline?

dodgerslv — Tue, 14 May 2013 21:28:36 GMT

@Anonymous wrote:
Delta is supposedly the easiest revolver to get. The charge cards are easier to get overall though. You probably should have stopped after the first declined. You are going to need to wait 6 months (at least, IMO) now because they will think you look desperate more than likely and just continure denying you.

Edit: Also, a 631 FICO is probably a bit low for AMEX. Wait until you reach the 660-680s.

+1...I agree. I applied for a Delta Gold back in August 2012 and got instantly denied, EX Fico of 673 (per letter) Waited till March 2013 to apply again and now have the Green, BCP and Costco TE. Give it a shot again in 6 months and let your scores go up a bit.

Re: What is your Amex application timeline?

NyaBuksh — Tue, 14 May 2013 21:52:07 GMT

It's tempting because most of my high credit limit cards were approved last month.

I just can't wait to apply again!!!

Oh how I wish 6 months is just around the corner!

Re: What is your Amex application timeline?

Anonymous — Tue, 14 May 2013 21:51:55 GMT

While the delta is their easiest to get..... I don't think you can get it with a 631. Got to agree with the posters above

Re: What is your Amex application timeline?

dodgerslv — Tue, 14 May 2013 21:59:22 GMT

@NyaBuksh wrote:
It's tempting because most of my high credit limit cards were approved last month.

I just can't wait to apply again!!!

Oh how I wish 6 months is just around the corner!

I know the feeling but trust me, let those new accounts age for about 3-6 months (preferably 6) and try again. My honest opinion, try for one of their charge cards first and if you get approved then go for the Delta Gold or even the BCE/BCP.

Re: What is your Amex application timeline?

NyaBuksh — Tue, 14 May 2013 22:01:37 GMT

I agree. The main reason I was denied is the low FICO.

I just do not know what else I need to do to improve my score.

Re: What is your Amex application timeline?

NyaBuksh — Tue, 14 May 2013 22:04:20 GMT

You're right! I will need to wait and apply for the charge cards first. Is that the Green or Gold?

Re: What is your Amex application timeline?

Anonymous — Tue, 14 May 2013 22:12:23 GMT

Both, including the PRG and Plat

Re: What is your Amex application timeline?

Anonymous — Tue, 14 May 2013 22:28:02 GMT

There is nothing you can do for your scores!! Only time and not appin for any CC, can help. Come join in the garden! Im not appin again for a long time because im tired of being denied!! So useless.. and a waste of time. Next time i App I WILL get APPROVED. Ive been at war with these app machines auto denials for a while lol..

hurting a mans self esteem.. these instant decisions blahhhhhh...