Amex in my future?

[PrettyGyrl]

So I want to add an AMEX to my wallet. Here are my stats:
-1 paid collection for $87
-1 judgement due to fall off the CR in 10/15
-13 Accounts in positive standing/No lates
-My Ex is 658 however my utilization is crazy high and I'm working at lowering every pay.

What AMEX should I aim for?

[ojefferyo]

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@PrettyGyrl wrote:

So I want to add an AMEX to my wallet. Here are my stats:
-1 paid collection for $87
-1 judgement due to fall off the CR in 10/15
-13 Accounts in positive standing/No lates
-My Ex is 658 however my utilization is crazy high and I'm working at lowering every pay.

What AMEX should I aim for?

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The Delta is the easiest to get from what I gathered from the forum. They aren't too keen on a high utilization though. Bring the util down below 20% or less to get the best pissbile chances. 

[Anonymous]

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@PrettyGyrl wrote:

So I want to add an AMEX to my wallet. Here are my stats:
-1 paid collection for $87
-1 judgement due to fall off the CR in 10/15
-13 Accounts in positive standing/No lates
-My Ex is 658 however my utilization is crazy high and I'm working at lowering every pay.

What AMEX should I aim for?

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Amex has different kinds of cards.  What do you want the card to do for you?  Mile points or cash back?  As each have different underwriting criteria...

[Anonymous]

You shouldn't apply for any, work on improving your score and lowering your util.

[elim]

report perfect utilization and you can probably get any amex you want (within your income range of course)

many approvals with upper 600's ex which you will probably hit with 1-9% UTIL reporting on 1 card (0 on the rest)

[bch238]

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@Anonymous wrote:

You shouldn't apply for any, work on improving your score and lowering your util.

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This is good advice.  With your score and "crazy high" utilization, an Amex revolving credit card is probably/almost certainly out of reach.  At most you'd get a charge card, but it seems that you should pay down your existing balances, then go from there.

[Anonymous]

Delta Skymiles is probably the easiet from what I've seen here and based on my recent app. I applied with a 689 EX and 41% util. After playing the waiting game, I was approved so depending on what "crazy high" is you may have a chance. I agree to wait though, I already have a plan to pay down my 2 cards with high util before even using the AMEX.

[baller4life]

I agree with everyone else. Lower util dramatically which will increase score. I would personally also wait till Oct when judgement falls off. Then you could probably go for whatever Amex you want.

[Anonymous]

Wait for that judgement to fall off 

[PrettyGyrl]

Thanks everyone for the input. I figured that waiting to October for the judgement to fall off would be the best. That way my untilization will be ideal and that my credit will be squeaky clean.