So my credit journey to clean up my history has been rather successful so far. I paid off some old accounts (1 baddie from 2013) and went from a 608 EXP in March to a 709. I have gotten two cards since with 5.5k CL total, and for 2 months paid them off in full each cycle, current UTL: 3%. AAoA is 3 yrs. I've been looking at the gold card for quite some time and am wondering when would be the right time to apply? I'm considering gardening a little more considering the baddie, but if I'm eligible now why not apply? Any suggestions would be great! Also note I tried the website with the soft inquiry and nothing popped up.
Gotcha. To clarify I have no BK's just the baddie from way back when and it should be falling off next year. Currently at 9 total inquiries on my EXP report; 5 from this year. While I was at 660 I went on an application spree, applied for the gold, and was denied so I'm thinking with maybe another month or two in the garden they might see that I'm not just trying to apply like crazy to see what I can grab.
Only thing I can think of is the denial starts a clock on when to next apply. IIRC it's 90 days before the system will even process another app.
I think it’s 30 days between apps for a specific card with amex
OP: I’d say go for it as long as more than 7 days have passed since your last amix application
So after patiently waiting for three months after my initial HP I started to see that I was prequalified for the Amex gold delta. I waited a bit longer and sure enough the pre-qual page gave me an offer for the AMEX gold! It was 50k points after 1k spend within 3 months which is better than the standard 30k points after 2k spend. Little tid-bit I noticed this time after applying that sort of gives you a hint of approval is that AMEX will ask if you want to add other members to the card prior to finishing the app. I'm sure the HP was done prior, but if you've made it that far then you're Golden! Lastly, as far as card delivery goes it took 4 days to arrive...longest days of MY LIFE, but well worth the wait. Going into the garden for now!
FICO Scores: 710 EX 696 EQ 722 TU