AMEX Green Charge Card Approval?

[Anonymous]

Amex generally will allow a charge and credit card app same day, do them back to back. Do NOT do credit and credit card back to back. They won't approve two credit card products the same day. I just did this a few weeks ago and the first credit card, Delta PLAT was instantly approved. I immediately appd BCP and got a message saying "we need to speak with you before we can process your app". I called, verified myself, and the girl stated "we cannot process 2 credit cards on the same day. You'll hear back from us in 4 - 5 day's". I kept checking the Amex status webpage everyday after calling and exactly 1 week later, my EX was pulled a second time, and I was approved. Others have stated the same experience.
But, if you go for a charge and credit card back to back, you should be approved for both under a single HP. So I'd definitely go for it.

[Anonymous]

The Delta Gold or Plat seem to be the easiest credit cards to be approved for with Amex, being co-branded. The Everyday card is supposed to be the easiest Amex credit card to go for of the Amex brands.

[Anonymous]

I hope to reach a fico score of atleast 700 by October... Do you think that is possible.. Right now my experian fico is 632.

[Anonymous]

It's definitely possible, but w/o knowing your entire credit bio, it's really tough to accurately say, one way or the other.
For the highest scores, you need to get your UTI below 10%, have only 1 CC report a balance, while the others report 0 BAL. Obviously do not be apping alot as that could lower your scores with INQ's and new accounts. If you have any derogs, try and GW them. Every derog removed will raise your scores, sometimes significantly, by a hundred points or more, especially if it's your last derog reporting, being removed. Without more info about your CR's, it's tough for anyone to accurately guess where you'll be in a few months.

[Anonymous]

Oh, just as an example, my EX went from 632 to 790 overnight with the removal of my public records which contain my 2007 CH 7 BK and 2 judgements. I went from declines to approvals overnight. Just giving you my experience with my EX scores.

[Anonymous]

The person that I spoke to told me they wont delete is from my credit score.. It'll just shiw up as: charge off paid.

[Anonymous]

My derogatory account is for $78 and $188 .. I paid them off already. I was being an irresponsible college student.

[Anonymous]

Unfortunately it's a catch 22: lender's won't consider GW account removals unless you pay them in full, but once you pay them in full, there's no incentive for them to remove the account. It's a touchy situation. If you have these accounts PIF, than I'd send them GW letters monthly hoping they finally agree to delete the account. Having these 2 derogs removed, would most likely push your scores over 700, and possibly alot higher if these are your only derogs.

[Anonymous]

What do you mean a GW letter? Do I send the letter to the company I paid the charge offs to? Of the credit beureau?

[Anonymous]

I went from 645 to 698 in 2 months. Its possible!!