Amex,when to apply?

[Anonymous]

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Jt35 wrote:

Hi all,

I dont wish to have too many cards but my main card if any would be the Amex Blue Cash Preffered for the 6% at supermarkets. I have never had an account with amex and my current scores average about 600 across all 3 credit agencies. What would be the best approach at getting approved for it? Should i at some point try for one of their other cards like the delta amex and try to build history with them first, or should i wait till my score is higher than apply? Any advice is appreciated. Thanks

I got the ED card at about 650-660 range and was only approved for $1k; the BCP I got with a 680 score and $5K limit.  Hope that helps.

[Anonymous]

ok, i dont want cards i wont use so i will wait till my score is high enough just to get approved for the BCP. Thanks.

[Anonymous]

"Charge offs are from about 5 to 7 years ago. I havent paid off since they will fall off report and i didnt want to restart the clock of them reporting. I was going to wait until they fell off to settle."

@Jt35 I am in the same predictament with a CO too. Do they really restart the clock on reporting if you pay before it falls off?

BTW, I want the AMEX BCP next too but I need to garden a bit in order to feel confident enough to apply for them.