AMEX apply or not apply

[Anonymous]

Just messing around on the amex website. At least once a week I see if I pre qualify for any cards, and I finally received  a hit. I know pre qualified doesn't mean automatic approval. I'm just wondering my odds really. 

[M_Smart007]

It's only a EX HP .... Is it a card that you could really use? .. keep in mind the AF.

[Openwater]

It's a great travel card, but you have to spend a significant amount to get the value for your AF. Lots of perks, Uber credits, Global entry, and max points for travel. Again, only good if you travel a lot.

[Anonymous]

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@M_Smart007 wrote:

It's only a EX HP .... Is it a card that you could really use? .. keep in mind the AF.

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My fiance was about to add me as an AU to the same card, shes active duty military so the AF is waived for her. I can really hold out until 10 days and just get the AMEX from NFCU.

[Anonymous]

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@Openwater wrote:

It's a great travel card, but you have to spend a significant amount to get the value for your AF. Lots of perks, Uber credits, Global entry, and max points for travel. Again, only good if you travel a lot.

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I was just so shocked to see it pop up for me.

[seattletravels]

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@Anonymous wrote:

Just messing around on the amex website. At least once a week I see if I pre qualify for any cards, and I finally received  a hit. I know pre qualified doesn't mean automatic approval. I'm just wondering my odds really. 

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Tough to say without knowing your other data points.

[Anonymous]

@seattletravels at the current moment straight from EX website:

647 Fico 8 as of 4 March

34% credit usuage ( should drop down to 11% around the 18th)

4 inq

No lates in the last 12 months (Mar 2019 cap 1)

Income is 125k

[ZackAttack]

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@Anonymous wrote:

@seattletravels at the current moment straight from EX website:

647 Fico 8 as of 4 March

34% credit usuage ( should drop down to 11% around the 18th)

4 inq

No lates in the last 12 months (Mar 2019 cap 1)

Income is 125k

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That fico score might be a problem with Amex. You may want to work on getting that score higher. Being at 700 or higher would be good in Amex's eyes.

[seattletravels]

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@Anonymous wrote:

@seattletravels at the current moment straight from EX website:

647 Fico 8 as of 4 March

34% credit usuage ( should drop down to 11% around the 18th)

4 inq

No lates in the last 12 months (Mar 2019 cap 1)

Income is 125k

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It's going to be tough to get in with Amex with that score.  Any other derog beyond the 1 late? 

[M_Smart007]

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@Anonymous wrote:

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@M_Smart007 wrote:

It's only a EX HP .... Is it a card that you could really use? .. keep in mind the AF.

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My fiance was about to add me as an AU to the same card, shes active duty military so the AF is waived for her. I can really hold out until 10 days and just get the AMEX from NFCU.

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@Anonymous  ..That is a Smart Move!  .. The NFCU More Rewards is a Excellent card & You should be rewarded with a very Nice SL.

Hope to see your approval in the approvals thread.