American Express Application?

Anonymous · ‎07-08-2015

Wondering if 1 med collection on CR is a deal breaker with Am Ex? I have 2 Cap 1 cards, Discover, Neiman Marcus, and Nordstrom. EX 670 Tu 654 Eq 644. Get pre select on Am Ex website for all the charge cards. 2 year AAoA. No lates, 6%ut, 9 inq. Declined for Chase Freedom 2 months ago. Don't want to risk a hard pull for another decline.

TRC_WA · ‎07-08-2015

EX score is borderline.

Coin flip.

FICO8 current as of : 10-20-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24

Anonymous · ‎07-08-2015

@Anonymous wrote:
Wondering if 1 med collection on CR is a deal breaker with Am Ex? I have 2 Cap 1 cards, Discover, Neiman Marcus, and Nordstrom. EX 670 Tu 654 Eq 644. Get pre select on Am Ex website for all the charge cards. 2 year AAoA. No lates, 6%ut, 9 inq. Declined for Chase Freedom 2 months ago. Don't want to risk a hard pull for another decline.

No, one medical collection isn't a deal breaker. If they have a card you're interested in, I'd go ahead any apply. No guarantees but that one item won't result in a decline. Let us know the results if you do.

Anonymous · ‎07-08-2015

Chase denied you for a medical collection?

Anonymous · ‎07-08-2015

I'm on the fence. Might wait until I see ED show up in my pre select line up. I'm working like crazy to get that med collection off my record. I am fairly new to the credit game. My AAoA is good because of a 5 year old paid off car loan. If I can get rid of the collection I'll be golden. I must say, I am having a more fun than I thought I would in this credit building operation

Anonymous · ‎07-08-2015

Yes, Chase was denied for the medical collection.

Anonymous · ‎07-08-2015

@Anonymous wrote:
I'm on the fence. Might wait until I see ED show up in my pre select line up. I'm working like crazy to get that med collection off my record. I am fairly new to the credit game. My AAoA is good because of a 5 year old paid off car loan. If I can get rid of the collection I'll be golden. I must say, I am having a more fun than I thought I would in this credit building operation

That's a good idea to wait if there is no immediate need for an Amex right now. We are here to help with any questions and if you haven't already visit the Rebuilding Your Credit forum for suggestions on how to deal with your medical collection.

Anonymous · ‎07-08-2015

I got a 7-10 on Chase and called for recon. They said no, because of the collection.

Anonymous · ‎07-08-2015

@Anonymous wrote:
I got a 7-10 on Chase and called for recon. They said no, because of the collection.

How many HPs is that so far with them? You may be able to get a 2nd recon if you tried hard. Last year my 2nd recon wasn't enough for me. Even received a nicely worded letter from their Exex offices.

Anonymous · ‎07-09-2015

@Anonymous wrote:
Wondering if 1 med collection on CR is a deal breaker with Am Ex? I have 2 Cap 1 cards, Discover, Neiman Marcus, and Nordstrom. EX 670 Tu 654 Eq 644. Get pre select on Am Ex website for all the charge cards. 2 year AAoA. No lates, 6%ut, 9 inq. Declined for Chase Freedom 2 months ago. Don't want to risk a hard pull for another decline.

Qualified for the Amex ED with 660EX score last month with one collection still showing. Turned around and apped for the BCE but was turned down because profile did not support that card. Was told when I called in to establish some history and it was hinted that the collection factored in my denial for the BCE. Hope the information helps.