Re: Help with Amex

Anonymous · ‎12-29-2016

I've been working on my credit for past two years now and my credit has gotten much better.

TU: 609

EQ: 651

EXP: 696

Do you think is safe to apply for Amex card now with my current score or should wait until it goes into 700's

fltireguy · ‎12-29-2016

Score wise, you are good to go.

NFCU $60.4k/PenFed $22.5k/Commerce $15K/53 $11K/Synovus $14K/BBT $11K/CapOne $12K/DCU $7.5K/BMO $7.5K/Chase $14.5k/Cabelas $10K/ and many many more!
Total CL $398600, plus car and RV loan.
Ooh. Ooh. Getting closer to that $500K mark!

Anonymous · ‎12-29-2016

thank you

more details...

Chase Freedom: 0% utilization

Capitol one secured: 0% utilization

QuickSilver: 74% utilization

BofA: 0%utilization

VentureOne: 35% Utilization

Discover IT: Applied few days back and go approved for $2400

Anonymous · ‎12-29-2016

Can you pay your Quicksilver down a little first?

What Amex card do you plan on going for?

Anonymous · ‎12-29-2016

Also curious as to which card you are going for. Good luck.

Anonymous · ‎12-29-2016

yes, i could pay it down, but it won't happened for at least two months. i could easily bring it down to 35% in two months.

amex everyday card

Anonymous · ‎12-29-2016

amex everyday card

JustBPatient · ‎12-29-2016

Getting that Cap1 card down will certainly help. But traditionally they pull EXP, so at 696 you should be good to go. They may start you with a smallish line depending on the rest of your profile (income) but the good news is with AMEX, it grows quickly with responsible usage. Good luck!

Amex Gold =Amex ED 20k = Amex BCP 14k = Amex SPG Lux 2k = Arrival 2k = Ring 14k = BOA 321 30k = BOA BBR 10k = CSR 25k = Freedom 10k = Citi Simplicity 9k = Citi DC 5k = Citi DP 3k = DCVR IT 16k = DCVR IT(2) 10k = CAP1 QS 15k = NFCU CR24k/AE25k/CLOC 15k = BBVA 14k = Wells Plat. 5k = (2) US Bank Cash+ 13k, 18k = PenFed 17k

FICO scores TU 764 EX 739 EQ 745

sjt · ‎12-29-2016

@Anonymous wrote:
amex everyday card

Have you checked to see if you are pre-qual for any Amex card?

American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 12.24, EX: 813 / EQ: 825 / TU: 818

Anonymous · ‎12-29-2016

i have and it say there is no offer for me at this moment.

Help with Amex

Get your FICO® Score for free

Help with Amex

Re: Help with Amex

Re: Help with Amex

Re: Help with Amex

Re: Help with Amex

Re: Help with Amex

Re: Help with Amex

Re: Help with Amex

Re: Help with Amex

Get your FICO Score for free