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Amex has approved applications with baddies showing on their CR. They have their own internal scoring system and they want to see positive tradlines, on-time payments since the last baddie for a certain period. They also want to see low utilization as well.
@Fitzgibbons wrote:Score is 684, profile is about 50/50. I have a car account paid off, another in good standing, 3 CCs in good standing, and mortgage in good standing for 4 years.
Still not prequalified, though. I guess ill just wait until i am
Amex approval odds are better than they will ever be for any given CR. There is no such thing as you have to be baddy free for amex. Your score and your trade lines should be more than enough to get approved for a bce or everyday. If i were you, i would apply for a charge card first, easier to get approved. After you get your approval for the charge card, then apply for a revolver back to back. That will make it even easier to get approved for the revolvers such as BCE or everyday. Do not apply for a second revolver. Only one charge card and one revolver at a time.
I can provide a data point for this...
April 2015 I was approved for the BCP and a Green card (same day). Amex pulled EX, and at the time my score was 695 (as reported by Amex). At the time, I had low utilization and I had two 'baddies' reporting, but they were old (both 6+ years). I also included Amex in a 2000 Ch. 7 bankruptcy.
My BCP was approved at the highest APR (after promo) and with a SL of $1k. I PIF each month, so the APR isn't a problem.
FWIW, each time I've tried for a CLI, they deny me based on the account IIBK 16 years ago, so they don't forget anything.
Hope this helps!
@krisssmmm wrote:
You don't have to be baddie free to get in with Amex. I just got my first Ed with low 600 score and about 4 baddies. I was prequalified tho.
What was your credit profile like when you applied.
@Creditplz wrote:
NC_mild what card did you app for?.
I went for the BCE.
I have an unpaid collection on my report and was approved for the AMEX Blue cash card.
I also have a 120 days late mark on student loans on my report.
I was denied when I had 2 charged off credit cards on there. As soon as those dropped off, I applied and was approved.
So, which score they check? Bankcard 8?