APPLYING FOR CREDIT AT THE END OF THE MONTH

[Anonymous]

Hi Guys!! At the end of the month ...my two Primaries...will be at both 6 months in age..

MJC 5K Limit($0 BALANCE)

OpenSky $200 Card

Discover AU 9.5K 7.5 YEARS AGE

AMEX AU 20K

Experian will have only 1 Inquiry....

 Once i pay down my opensky,,,im pretty sure i will be like 710-740 FICO

I am going to pay down my opensky card to less than a $5 balance...my goal is to get a AMEX BCE..you guys think i have a good chance?

[Remedios]

Have you tried prequal on their website?

Not having one doesn't mean you wouldn't get approved, but having one is a nice indicator it might happen. 

Do you have any negatives on your CR? 

[Anonymous]

Hi! Thanks for applying to me.experian is clean..no baddies and no lates..when i do the prequalification...zero offers show up

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@Remedios wrote:

Have you tried prequal on their website?

Not having one doesn't mean you wouldn't get approved, but having one is a nice indicator it might happen. 

Do you have any negatives on your CR? 

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[Remedios]

What's the age of your oldest account? 

[Anonymous]

By the time i Apply..the age of my oldest primary will be 6 months..both my primaries will be 6 months

[Remedios]

I would wait a bit longer. Without AU accounts, you wouldn't even have a FICO score quite yet.

Amex is not averse to young files, but I'd wait unless you dont mind $500 approval, without SUB, and highest APR.

Another lender that's not averse to young files is Discover. 

I'm not sure if you tried their prequal. 

I think if you have one, you should grab it (as long as it aligns with your spending),wait 6 months if approved, then go knocking on Amex's door. 

[Anonymous]

Nice!! Discover is on my mind as well...my income is over 70K...so i hope the limit wouldnt be $500,,,scared of the whole 4506-t thing from Discover..but i can def try it

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@Remedios wrote:

I would wait a bit longer. Without AU accounts, you wouldn't even have a FICO score quite yet.

Amex is not averse to young files, but I'd wait unless you dont mind $500 approval, without SUB, and highest APR.

Another lender that's not averse to young files is Discover. 

I'm not sure if you tried their prequal. 

I think if you have one, you should grab it (as long as it aligns with your spending),wait 6 months if approved, then go knocking on Amex's door. 

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[CreditInspired]

IMHO, I dont think you would be approved for an AmX BCE because your credit profile is extremely thin.

Also, what is MJC?

[AllZero]

My Jewelers Club?

[MrPepperoni]

I am trying to apply for this card too in the end of the month, probably on the same day with Citi Costco to get both. I saw profiles here who is getting approved for BCE at 8 months of history and good limits like  4-8k..