topic Re: amex should i apply in General Credit Topics

amex should i apply

princeromeo — Thu, 19 Jul 2007 23:05:23 GMT

my dispute finally worked my experian jumped from 594 to 671 fico can i finally apply for the delta card what do you think will i be approved now? i want to apply for delta then when it arrives convert to blue like every one

Re: amex should i apply

MercyMe — Thu, 19 Jul 2007 23:35:29 GMT

princeromeo wrote:
my dispute finally worked my experian jumped from 594 to 671 fico can i finally apply for the delta card what do you think will i be approved now? i want to apply for delta then when it arrives convert to blue like every one

Go for it!

Re: amex should i apply

princeromeo — Thu, 19 Jul 2007 23:42:15 GMT

i have 7 inquries is that too much?

Re: amex should i apply

fused — Thu, 19 Jul 2007 23:43:19 GMT

princeromeo wrote:
i have 7 inquries is that too much?

How recent are the inqs?

Re: amex should i apply

princeromeo — Thu, 19 Jul 2007 23:43:50 GMT

5 are recent since may 30 with one of them being from amex

Re: amex should i apply

fused — Thu, 19 Jul 2007 23:52:13 GMT

princeromeo wrote:
5 are recent since may 30 with one of them being from amex

What other cards do you have? CLs and balances?

Re: amex should i apply

Anonymous — Thu, 19 Jul 2007 23:55:53 GMT

@princeromeo wrote:
my dispute finally worked my experian jumped from 594 to 671 fico can i finally apply for the delta card what do you think will i be approved now? i want to apply for delta then when it arrives convert to blue like every one

Why do you want to apply for a delta, then convert to blue?

Re: amex should i apply

princeromeo — Thu, 19 Jul 2007 23:59:10 GMT

i have recently opened new accounts hich might hurt me but they all have no balances the only big balance i hve is a credit union card its got a 15k limit and my balance is 11,800 other then that my chase credit card should update anyday i paid them all off the new account are macys kay jeweleres and a personal credit line from the union so maybe i should wait and apply in 6 months right i mean on may 30 when i applied my score was 594 it has gotten a lot better ive always wanted a amex card but really dont wanna get denied again

Re: amex should i apply

princeromeo — Thu, 19 Jul 2007 23:59:33 GMT

the blue is better isnt it

Re: amex should i apply

Anonymous — Fri, 20 Jul 2007 00:07:33 GMT

@princeromeo wrote:
the blue is better isnt it

i think 671 is good enough to get a blue. they check TU though. my credit score when i got my blue was 681 for TU. i too have always wanted amex.... but now that I have it, i don't know what the big fuss was about. lol... it's the same as any other cards I have... just prettier plastic.

Re: amex should i apply

MercyMe — Fri, 20 Jul 2007 00:12:02 GMT

princeromeo wrote:
i have 7 inquries is that too much?

Good heavens! If they were counting inquiries, I never would have been approved!

Re: amex should i apply

MercyMe — Fri, 20 Jul 2007 00:13:24 GMT

princeromeo wrote:
i have recently opened new accounts hich might hurt me but they all have no balances the only big balance i hve is a credit union card its got a 15k limit and my balance is 11,800 other then that my chase credit card should update anyday i paid them all off the new account are macys kay jeweleres and a personal credit line from the union so maybe i should wait and apply in 6 months right i mean on may 30 when i applied my score was 594 it has gotten a lot better ive always wanted a amex card but really dont wanna get denied again

The 11,800's a bit high. Maybe it would be best to pay that down a bit?

Re: amex should i apply

princeromeo — Fri, 20 Jul 2007 00:14:37 GMT

how many inq did you have?

Re: amex should i apply

MercyMe — Fri, 20 Jul 2007 00:14:45 GMT

@Anonymous wrote:

@princeromeo wrote:
the blue is better isnt it

i think 671 is good enough to get a blue. they check TU though. my credit score when i got my blue was 681 for TU. i too have always wanted amex.... but now that I have it, i don't know what the big fuss was about. lol... it's the same as any other cards I have... just prettier plastic.

Prettier plastic that ISN'T everywhere you want to be, huh?

Re: amex should i apply

Anonymous — Fri, 20 Jul 2007 00:18:37 GMT

@MercyMe wrote:

@princeromeo wrote:
i have recently opened new accounts hich might hurt me but they all have no balances the only big balance i hve is a credit union card its got a 15k limit and my balance is 11,800 other then that my chase credit card should update anyday i paid them all off the new account are macys kay jeweleres and a personal credit line from the union so maybe i should wait and apply in 6 months right i mean on may 30 when i applied my score was 594 it has gotten a lot better ive always wanted a amex card but really dont wanna get denied again

The 11,800's a bit high. Maybe it would be best to pay that down a bit?

Nah, i have a $15k credit line and used up $14k of it, and still got approved for a blue.

Re: amex should i apply

fused — Fri, 20 Jul 2007 00:18:58 GMT

princeromeo wrote:
i have recently opened new accounts hich might hurt me but they all have no balances the only big balance i hve is a credit union card its got a 15k limit and my balance is 11,800 other then that my chase credit card should update anyday i paid them all off the new account are macys kay jeweleres and a personal credit line from the union so maybe i should wait and apply in 6 months right i mean on may 30 when i applied my score was 594 it has gotten a lot better ive always wanted a amex card but really dont wanna get denied again

Other than BKs, Amex hates to see high util even if it's on just one card. Your credit union card has 79% util and you have a lot of new inqs. IMO, I would not apply!

Re: amex should i apply

Anonymous — Fri, 20 Jul 2007 00:18:58 GMT

@MercyMe wrote:

@Anonymous wrote:

@princeromeo wrote:
the blue is better isnt it

i think 671 is good enough to get a blue. they check TU though. my credit score when i got my blue was 681 for TU. i too have always wanted amex.... but now that I have it, i don't know what the big fuss was about. lol... it's the same as any other cards I have... just prettier plastic.
Prettier plastic that ISN'T everywhere you want to be, huh?

This is true...

Re: amex should i apply

princeromeo — Fri, 20 Jul 2007 00:23:24 GMT

i guess ill wait i mean i pay everything i just wanted to earn bussiness with amex thats all i was told the delta is easy to get

Re: amex should i apply

fused — Fri, 20 Jul 2007 00:35:27 GMT

princeromeo wrote:
i guess ill wait i mean i pay everything i just wanted to earn bussiness with amex thats all i was told the delta is easy to get

the delta is easy to get if you do not have a lot of inqs and a large revolving balance. if you applied today I would say your chances for approval are 50/50.

Re: amex should i apply

princeromeo — Fri, 20 Jul 2007 03:32:27 GMT