Can you apply for AMEX too much?

[Tonya-E]

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@Anonymous wrote:

Ahh. I didn't realize that was the case! No, I am trying to get my first AMEX. I only have an AMEX company-issued card, which doesn't do me any good. And a couple of CAP1 and a Citi Rewards that won't budge! I guess I will have to get my scores up a bit more and then re-apply. The reason for the decline from AMEX was FICO score too low - it was 655 when I app'ed.

Thanks again!

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No problem:-) Once you get in there, you can app for additional cards and only take a SP on a denial. On the score, I think I have seen approvals in the 670-700 range. If you get the score up a tad, I don't think you will have a problem.

[Anonymous]

Awesome, thanks! I am waiting for a PIF to post taking me to 1% utilization, EX says on their stimulator that will bump me to a 670, then I have a baddie rolling off in another 60 days...patience is key! At least I only have 3 HPs in the last 12 months across all 3 CRAs, so no major harm on the AMEX pulls.

[Anonymous]

I just did my first Amex app yesterday, they did a SP then HP. So both and I was denied.

[Anonymous]

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@Anonymous wrote:
I just did my first Amex app yesterday, they did a SP then HP. So both and I was denied.

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Sorry to hear that! How does your CR look like! & what are your scores? 

[Anonymous]

660 EX. Knew it was a long shot. High inq and a late TL.

[Anonymous]

Did you go for the delta gold?

[NRB525]

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@Anonymous wrote:

Awesome, thanks! I am waiting for a PIF to post taking me to 1% utilization, EX says on their stimulator that will bump me to a 670, then I have a baddie rolling off in another 60 days...patience is key! At least I only have 3 HPs in the last 12 months across all 3 CRAs, so no major harm on the AMEX pulls.

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Which AMEX were you applying for?

[Anonymous]

I was app'ing for the Everyday card.

[NRB525]

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@Anonymous wrote:

I was app'ing for the Everyday card.

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Ok, that could be one of the "higher underwriting requirements" cards at AMEX, perhaps because there is no AF.

The Delta SkyMiles Gold AMEX seems to have lower underwriting requirements, several folks with surprisingly low 600's have been approved for low limits recently, but because it has an AF after a year, you many not be interested in that one. (others cancel the card after the first year, but if your scores are going to be good enough, you  are probably best served just getting the ED like you planned)

What oher cards do you have open? What month/year were they opened? It would seem you are right on the cusp of being able to get the ED.

[Anonymous]

I'm in rebuilding mode after languishing for a long time. Currently, I have a Cap1 Platinum with 1KCL due for CLI next month, a Cap1 QS with a measly 500CL, a Citi Thankyou Preferred with 500CL that they refuse to CLI and a store card (Peerless Tyres) with a 1200CL. Have a couple of baddies, one of which will roll off in a few months and a 60 lates. Went from 55% Util across all cards and the 2 Cap1's at 80%+ last month to everything PIF now. The Cap1 and Citi cards date to 2008, the Peerless to 2011.

I feel like if I take a more active roll in increasing my available credit, gardening a bit and landing a premium card I should see some decent results this year.