AMEX Approval

[BAB_Bryan]

Guys,

I have an Experian FICO 8 of 668 (I read that is what they pull) and an Experian FICO Bankcard 8 of 670.  Do I have a chance to get a green or gold?  I was 550 and 501 on those two scores respectively in March 2018.

I appreciate the assistance.

[Anonymous]

Have you checked if you're pre approved?

[FinStar]

Hi @BAB_Bryan, welcome to the myFICO forums.

What does the rest of your profile look like besides the score provided? AAoA, utilization %, any negatives?

[LakeLife]

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@Anonymous wrote:

Have you checked if you're pre approved?

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Definitely do this first.  No HP required as it only uses a SP.  Good luck OP.

Amex Check for Offers

[BAB_Bryan]

I have checked for Pre-App on AMEX and I do not have one.  My overall utilization is 4% and my highest single card is 7%.  I have one car loan never late, but I have two older car loans that had lates - they are both paid off.  I have 3 late payments on credit cards - the last one was Sept 2017.  I have 2 collections with LVNV from 2017.  I have tried to do PFD but they will not bite.  I have substantially cleaned my credit in the last year.  Got a discover card in Dec 2018.

[Meanmchine]

You can app for the cards you want without having a prequal offer. I got my 2 Amex cards without any offers.  I would caution you tho, if you were to app and get approved your purchasing ability would be small until you prove yourself

Good luck

[Anonymous]

Nice increase in your scores over the past year.

[JR_TX]

Hi and Welcome to the myFICO community!

I would wait til your last CC late payment turns 2 yrs this September for a much better chance of approval plus your FICO would’ve been higher by then. 

[Anonymous]

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@LakeLife wrote:

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@Anonymous wrote:

Have you checked if you're pre approved?

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Definitely do this first.  No HP required as it only uses a SP.  Good luck OP.

Amex Check for Offers

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This statement regarding no hard pull is inaccurate especially if this is your first Amex card and not guaranteed if you opt to apply for an additional Amex. Chances of a SP are greater after your first Amex card.

[Baphometsangel]

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@Anonymous wrote:

Have you checked if you're pre approved?

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I just want to thank HybridGunz & @RichardJ for suggesting pre-approval options. I didn't realize this was even possible with AMEX. I was literally looking for a new travel card, as my wife and I are going on a trip to Europe and I want to take advantage of some travel points / rewards and came across this. 

So my story - I have a 650 ish credit score across all 3 CBs, my current credit utilization is about 25% (about 9k of 35k). Recently in November, I got one of those pre-approved Chase Sapphire Preferred offers in my Chase account, took a chance off the suggetions on these forums and got approved. 

Last night, figured let's try this pre-approval thing with ALL the card companies and see what's available to me. Lo and behold, AMEX Gold popped up for me on their page, I couldn't believe it. Sure enough gave it a go and got approved immediately. I know there isn't really a "spending limit" but they have a little feature on there to see if you would get approved for a large purchase - I plugged in 9k and was approved. Very cool. I just gotta say, to the OP - you never know what can happen man. I never in my wildest dreams thought I'd have a CSP and much less an AMEX Gold and to the community here, thank you for being so darned helpful. Not sure what I would do without these forums. 

In 2 years I am going for the Sapphire Reserve. Screw it, I want that puppy and will continue to clean up my credit.