Amex Green Card application being reviewed by underwriting

[Soundersfan1]

So my Amex Green Card application is currently being reviewed by Amex's underwriting team so I was wondering what my probability of them approving the application would be. Here would be my data points.

Chase Sapphire Preferred - $5,000 CL

Chase United Gateway - $2,000 CL

Amex Blue Cash Preferred - $6,000 CL

BECU Cash Back Visa - $1,000 CL

Income: $60K

Experian: 676

Debt to Income: 83.56%

Credit History: 1 year 2 months

Late Payments: 0

Inquries: 10/12, 13/24

[JoeRockhead]

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@Soundersfan1 wrote:

So my Amex Green Card application is currently being reviewed by Amex's underwriting team so I was wondering what my probability of them approving the application would be. Here would be my data points.

Chase Sapphire Preferred - $5,000 CL

Chase United Gateway - $2,000 CL

Amex Blue Cash Preferred - $6,000 CL

BECU Cash Back Visa - $1,000 CL

Income: $60K

Experian: 676

Debt to Income: 83.56%

Credit History: 1 year 2 months

Late Payments: 0

Inquries: 10/12, 13/24

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I'd venture to guess their concerns are:

• High DTI, high reported utilization?
• Short history
• High amount of inquiries last 12 months (excessive credit seeking)
• Score is on the bubble

Any derogatory information on your accounts?

[pizzadude]

Moved to Credit Card Applications

[dfwxjer]

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@Soundersfan1 wrote:

So my Amex Green Card application is currently being reviewed by Amex's underwriting team so I was wondering what my probability of them approving the application would be. Here would be my data points.

Chase Sapphire Preferred - $5,000 CL

Chase United Gateway - $2,000 CL

Amex Blue Cash Preferred - $6,000 CL

BECU Cash Back Visa - $1,000 CL

Income: $60K

Experian: 676

Debt to Income: 83.56%

Credit History: 1 year 2 months

Late Payments: 0

Inquries: 10/12, 13/24

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Curious why you're signing up for an annual fee charge card when you're sitting at 80%+ utilization. You have more than enough credit to build your profile, so I would highly recommend using the AF money toward your current cards. Stop looking for new credit until you can learn to manage your current profile. 

[creditgnome]

honestly the 85% doesnt really matter! i just got prequalified for USAA visa! ill let you guys know how it goes when i get verified for my ID so i can apply