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AMEX qualification

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Established Member

AMEX qualification

Any idea how long to wait for an Amex approval with a 30 late on my CR? Would they approve with less than 2 years from last lateness? Experian at 708, TR 712 Eq 690. Util always at 10% or less.

Message 1 of 22
21 REPLIES 21
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Community Leader
Super Contributor

Re: AMEX qualification

Hard to say. Has it been at least 1 year since the late? Any other baddies?


Last App: 8/24/2020
NFCU Secured Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 2 of 22
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Established Contributor

Re: AMEX qualification

Maybe a dumb question, but you've done the prequal right?



Starting Fico Scores:November 2019

Current Fico Scores: September 2, 2020
Goal Scores: 700 across all three
Message 3 of 22
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Established Member

Re: AMEX qualification

No other baddies and the latest 30 day is 22 months.

Message 4 of 22
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Established Member

Re: AMEX qualification

Yes and no offers.

Message 5 of 22
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Established Contributor

Re: AMEX qualification

Is this your first Amex? I got approved for a couple of cards from them with a 30 day late, but it was probably closer to 4-5 years old when I applied. I also had existing Amex cards a couple of which were over 20 years old.

Scores: Spt 20: EX FICO8 831, TU FICO8 828, EQ FICO8 823
AoOA: closed: 36 years, open: 25 years; AAoA: 11.8 years
Amex Gold, Amex Green, Amex Blue, Amex ED, Amex Delta Gold, Amex Hilton Surpass, BoA Platinum Plus, Chase Slate, Chase Amazon, Chase CSP, Citi AA Plat, Sync Lowes, Sync JC Penney - total CL 145k
Loans: Prosper (20k/3yrs 7.14%), Lending Club (10k/3yrs 5.89%), Chase car loan (35k/6yrs 0.9%)
Message 6 of 22
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Moderator

Re: AMEX qualification

What Amex card do you have in mind? I don’t know if it still holds true due to current situations but the Delta Gold used to be the “go to” card for those with limited history or a few dings in their report.
Message 7 of 22
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Established Contributor

Re: AMEX qualification

This is only my opinion. I personally would not cold app Amex without any sort of pre approval. If you don't even have the co branded cards showing, I would hold off on the app. Again, just my opinion. 



Starting Fico Scores:November 2019

Current Fico Scores: September 2, 2020
Goal Scores: 700 across all three
Message 8 of 22
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Community Leader
Super Contributor

Re: AMEX qualification

They approved me for the Delta gold at a 641 EX with 3 lates (newest one was 21 months), 4 chargeoffs, and 6 collections. I've never had a pre-qualified offer.







Message 9 of 22
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Community Leader
Super Contributor

Re: AMEX qualification


@Brian_Earl_Spilner wrote:

They approved me for the Delta gold at a 641 EX with 3 lates (newest one was 21 months), 4 chargeoffs, and 6 collections. I've never had a pre-qualified offer.


I'm hoping that'll happen for me once I can get my EX up to 640ish. Were those COs/CAs paid or unpaid?


Last App: 8/24/2020
NFCU Secured Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 10 of 22
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