Amex?

[PinkPanther3719]

So my credit scores are roughly as follows: EX 684, EQ 680, TU 688. My annual income is increasing to around 43k (additional hours at work as of today with possible raise coming from both jobs as well).

I want to apply for an AMEX card. I got my first credit card 3 years ago this month. I don't have any negatives and no late payments. I do have 3 new cards. Would it be possible to get one? I'm thinking the everyday card or the blue cash everyday. 

[Anonymous]

I just applied for the Everyday with roughly the same scores (but lower), and almost exactly the same income.  Approved for $5k/17.99%

I have lates on my reports, but they're all 4-5+ years old. I'd go for it!

EDIT: I have two accounts open in the last month, and my AAoA is 7 years, with oldest open account being 7 years old, oldest closed being 12.

[PinkPanther3719]

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@Anonymous wrote:

I just applied for the Everyday with roughly the same scores (but lower), and almost exactly the same income.  Approved for $5k/17.99%

I have lates on my reports, but they're all 4-5+ years old. I'd go for it!

EDIT: I have two accounts open in the last month, and my AAoA is 7 years, with oldest open account being 7 years old, oldest closed being 12.

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I applied. I got the standard "We have to look at it further". I have a fraud alert on my reports so I expected that message. I'm just hoping I can get it. If I do, I'm done apping until all my inquires fall off. If I don't, I'll wait a while and try again. I don't even truly want a high limit. I'd be happy to get my foot in the door with 1k.

But what did your utilization look like? Mine is incorrect as I paid off a lot of credit so it's about 19% but not all my credit cards have reported that yet.

[Anonymous]

11% overall, spread out on 2 cards. I requested a due date switch with Cap One like two or three months ago, forgot about it, and they implemented it on me with a balance on the card.

$1200 / $7000 on NFCU

$181 / $4500 on Cap1

I'm in the same boat. Just got an Amex. Don't need anything else for the next year or two. Trying to set myself up for a mortgage in the next couple of years and have plenty of tradelines to garden while the INQs and baddies fall off (2016-2018).

[Anonymous]

I got 3k on the Delta Gold with 2 COs from 6 years ago, and numerous student loan negative trade lines. My Util was at 1%, AAoA was 5y and change with a 666 Experian so I'm sure you'll get a decent SL. Plus you can increase it 9x in 8 months (3x CLI at 61 days and another 3x 180 days after the first CLI).

Best of luck and keep us posted!
Oz

[Anonymous]

OP, if you got the "We will get back to you" message call them with the back door number. I did this just last week - apped, got the message, then called them about an hour later and they approved me over the phone. I tend to think that if they realize that you're interested enough to call to check up on your app, they will be more likely to approve you. 

[Anonymous]

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@PinkPanther3719 wrote:

So my credit scores are roughly as follows: EX 684, EQ 680, TU 688. My annual income is increasing to around 43k (additional hours at work as of today with possible raise coming from both jobs as well).

I want to apply for an AMEX card. I got my first credit card 3 years ago this month. I don't have any negatives and no late payments. I do have 3 new cards. Would it be possible to get one? I'm thinking the everyday card or the blue cash everyday. 

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Yes, go for it.  I got the Amex ED card and I love it!  It's my go-to card and used daily.  I only use my own income on apps and yours is about what mine is. 

[SecretAzure]

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@Anonymous wrote:

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@PinkPanther3719 wrote:

So my credit scores are roughly as follows: EX 684, EQ 680, TU 688. My annual income is increasing to around 43k (additional hours at work as of today with possible raise coming from both jobs as well).

I want to apply for an AMEX card. I got my first credit card 3 years ago this month. I don't have any negatives and no late payments. I do have 3 new cards. Would it be possible to get one? I'm thinking the everyday card or the blue cash everyday. 

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Yes, go for it.  I got the Amex ED card and I love it!  It's my go-to card and used daily.  I only use my own income on apps and yours is about what mine is. 

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I got the Amex BCE with half your income and an AAOA of 1.33. I don't know if ED is any harder or easier to get but do it and tell us how it goes!!

[PinkPanther3719]

So I called and was denied. Oh well.