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How long to wait before reapply

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EAJuggalo
Established Contributor

How long to wait before reapply

I jumped the gun and applied for an AMEX everyday as soon as my first card reported and I had a score.  I was denied with stated reasons of : Inquiries, Not enough credit history, no recent revolving accounts and number of trades.  EX score of 703.  Now that I have three revolving accounts and an installment reporting how long do I wait before reapplying?  I would really like to have this before June when my AAoA takes a major hit as my oldest tradeline will age off.  Is that feasible?

EX700 TU 704 EQ 694 4/03/22
Cap1 QS-$4,500 Chase Freedom Flex- $800 Chase Freedom Unlimited- $1,000 Victoria's Secret- $1,200 Citi DC- $800 Amazon Store Card- $3,500 AMEX Hilton Honors-$1,000 Discover It-$1,000 Wal-Mart MC $290 Chase Sapphire Preferred-$5,000 NFCU Flagship $13,800 AMEX BCE-$1,000 AMEX Gold-$5,000 AMEX Delta Blue $1,000 Lowe's $5,000 Navy Platinum $17,000 AMEX BBP $2,000
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OmarGB9
Community Leader
Super Contributor

Re: How long to wait before reapply

June is not that far off. Most likely Amex would like 6 months to a year of history. I'm not sure I understand though, you say you had no score and no cards, but you're worried about AAoA taking a hit? What's your AAoA? And btw, Amex doesn't mind thin files with short AAoA.

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

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Message 2 of 3
EAJuggalo
Established Contributor

Re: How long to wait before reapply

AAoA is 3.1 with the help of an old auto loan that is due to fall off completely in June.  I had no score because I had nothing reporting in the last six months.  As soon as something reported I had scores.

EX700 TU 704 EQ 694 4/03/22
Cap1 QS-$4,500 Chase Freedom Flex- $800 Chase Freedom Unlimited- $1,000 Victoria's Secret- $1,200 Citi DC- $800 Amazon Store Card- $3,500 AMEX Hilton Honors-$1,000 Discover It-$1,000 Wal-Mart MC $290 Chase Sapphire Preferred-$5,000 NFCU Flagship $13,800 AMEX BCE-$1,000 AMEX Gold-$5,000 AMEX Delta Blue $1,000 Lowe's $5,000 Navy Platinum $17,000 AMEX BBP $2,000
Message 3 of 3
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