topic Re: Understanding Amex pattern... in Credit Cards

Understanding Amex pattern...

BootStraps — Mon, 31 Mar 2014 19:52:03 GMT

Hi Folks...

I'm going to be apping for an Amex revolver soon. (expecting a little score bump tomorrow)

The cards that I WANT in my wallet are the BCE or New Everyday and Blue Sky. I'm thinking about applying for the Delta Gold since (it is rumored) that one is easier to get.

Has anyone had success with getting the delta card withing 30 days after getting denied for the BCE? )I have a charge card so it's a SP either way but I don't want a denial to block off all revolvers for the next 30 days.)

Re: Understanding Amex pattern...

Creditaddict — Mon, 31 Mar 2014 20:01:55 GMT

@BootStraps wrote:
Hi Folks...

I'm going to be apping for an Amex revolver soon. (expecting a little score bump tomorrow)

The cards that I WANT in my wallet are the BCE or New Everyday and Blue Sky. I'm thinking about applying for the Delta Gold since (it is rumored) that one is easier to get.

Has anyone had success with getting the delta card withing 30 days after getting denied for the BCE? )I have a charge card so it's a SP either way but I don't want a denial to block off all revolvers for the next 30 days.)

believe denial is a block for 30 days.

Re: Understanding Amex pattern...

SunriseEarth — Mon, 31 Mar 2014 20:05:30 GMT

I don't know the answer to your question, but, given the score difference between EX and your other scores, I'm wondering what's on your EX CR. I'd recommend working on that and then going for the revolver you want. You mention an expected score bump, so I was curious.

Re: Understanding Amex pattern...

Pat94108 — Mon, 31 Mar 2014 21:46:42 GMT

@BootStraps wrote:
Hi Folks...

I'm going to be apping for an Amex revolver soon. (expecting a little score bump tomorrow)

The cards that I WANT in my wallet are the BCE or New Everyday and Blue Sky. I'm thinking about applying for the Delta Gold since (it is rumored) that one is easier to get.

Has anyone had success with getting the delta card withing 30 days after getting denied for the BCE? )I have a charge card so it's a SP either way but I don't want a denial to block off all revolvers for the next 30 days.)

It's actually a SP it it's denied but will be a HP if it's approved.

Re: Understanding Amex pattern...

BootStraps — Mon, 31 Mar 2014 22:11:39 GMT

@SunriseEarth wrote:
I don't know the answer to your question, but, given the score difference between EX and your other scores, I'm wondering what's on your EX CR. I'd recommend working on that and then going for the revolver you want. You mention an expected score bump, so I was curious.

A paid collection that is due to fall off this summer and a settled charge-off from 08 that EX refuses to drop.

My mortgage is going from a negative to a positive status as of April, so I'm hoping for enough of a score bump to get an Amex revolver. It won't kill me not to get it, of course... I just want to take further advantage of the backdating.