Amex Everyday and Chase App

Anonymous · ‎06-09-2020

Today, i got my first Fico score. It's around 680.

Fico 8

Tu : 711

EQ: 680

Ex: 670

-----

Scorecard: not much different

Tu:719

EQ: 676

EX: 670

------

VanScore: 671

I applied for Amex everyday, it's IN PROCESS now. I called backdoor, they told me wait 3 days.

Later on, i i applied for Chase Freedom and got deny. I called Recon " reason : too many HPs - I'm not apply any for 3 months though (("

How you guy think about Amex everyday ??? Small chance ??? (( I feel bad 😞 really bad.

I have 1500 CL discover so far.

In case, Amex denied, what credit card should I apply ?

Anonymous · ‎06-09-2020

For the Amex it looks bleak, but at least it wasn't an instant denial.

I suggest getting a card and credit builder loan with your local credit union.

Pretty much every lender likes to see you have some loan history and ability to handle multiple accounts, so that may help intermittently.

Anonymous · ‎06-09-2020

@Anonymous wrote:
For the Amex it looks bleak, but at least it wasn't an instant denial.

I suggest getting a card and credit builder loan with your local credit union.

Pretty much every lender likes to see you have some loan history and ability to handle multiple accounts, so that may help intermittently.

I second that, and only add - if you are elligible for Navy Fed or similar, jump on their train to get started. Otherwise, just about any local credit union is fantastic and they will help you build your credit. Some call the loan product "share secured" some call it "credit builder," but effectively it is a secured loan. It reports to the bureaus like a regular installment loan, and you get the benefit of having a thicker credit profile.

Good luck!

randomguy1 · ‎06-09-2020

@Anonymous wrote:
Today, i got my first Fico score. It's around 680.
Fico 8
Tu : 711
EQ: 680
Ex: 670
-----
Scorecard: not much different
Tu:719
EQ: 676
EX: 670
------

VanScore: 671

I applied for Amex everyday, it's IN PROCESS now. I called backdoor, they told me wait 3 days.

Later on, i i applied for Chase Freedom and got deny. I called Recon " reason : too many HPs - I'm not apply any for 3 months though (("

How you guy think about Amex everyday ??? Small chance ??? (( I feel bad 😞 really bad.

I have 1500 CL discover so far.

In case, Amex denied, what credit card should I apply ?

If you get two denials in a row, I would personally stop applying for awhile. If you really are itching for another possible denial, I would check the prequalify sites for each perspective creditor. Apple Card could be one if you have an iPhone.