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Just another 'should I apply' thread for AMEX

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Anonymous
Not applicable

Just another 'should I apply' thread for AMEX

So, before my mortgage loan hits my credit I am trying to round up any more credit cards I'd like to have before my credit takes the big hit from my loan. I found the AMEX Everyday Cash card and I am highly interested in it but I am not sure if I should bother. I used their form on their website to see if I had any prequal offers, and I do not, but they suggested 3 cards to me 'based o my interests'. 

 

My Experian FICO is approx 710, TU 690 EQ 680. Should I bother with this card or go ahead and try to get the others that I want then try the AMEX last? I'll be dropping all my apps today, I am not sure how long it'll take for the mortgage to show up but I am certain it'll hinder my abilities to get any good cards. Thanks. 

Message 1 of 19
18 REPLIES 18
Anonymous
Not applicable

Re: Just another 'should I apply' thread for AMEX

Do you mean Blue Cash Everyday? Because Everyday and Everyday Preferred are MR points cards.

Anyhow, with that EX score you should be fine assuming your overall profile is clean, utilization is not high etc
Message 2 of 19
CatOfSpades
Frequent Contributor

Re: Just another 'should I apply' thread for AMEX

Barring nothing crazy on your report, and I'm assuming not since you just secured your mortgage, I don't see any reason why they wouldn't approve you. It's not that hard to get an Amex. 

♠Queen of Spades♠
Apple Card MC $10,000
BofA Cash Rewards VS $10,000
5/3 Cash/Back WEMC $10,000
Message 3 of 19
adamkingadam
Regular Contributor

Re: Just another 'should I apply' thread for AMEX


@Anonymous wrote:

So, before my mortgage loan hits my credit I am trying to round up any more credit cards I'd like to have before my credit takes the big hit from my loan. I found the AMEX Everyday Cash card and I am highly interested in it but I am not sure if I should bother. I used their form on their website to see if I had any prequal offers, and I do not, but they suggested 3 cards to me 'based o my interests'. 

 

My Experian FICO is approx 710, TU 690 EQ 680. Should I bother with this card or go ahead and try to get the others that I want then try the AMEX last? I'll be dropping all my apps today, I am not sure how long it'll take for the mortgage to show up but I am certain it'll hinder my abilities to get any good cards. Thanks. 


FWIW I applied and was approved for a Blue Cash card with AMEX three weeks ago with FICO's in the 630 Range. Only a 1,000 SL but the rep said after 90 days I could apply for a CLI.

 

 

Starting Scores: 1/1/2016
EX 600 EQ 598 TU 610
Current Fico Scores (9/2016):EX: 674 EQ: 678 TU: 689
Message 4 of 19
RonM21
Valued Contributor

Re: Just another 'should I apply' thread for AMEX

As the others said, with your scores I would think the likelihood of approval is high. The above post is a good example of how ymmv with these things.


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 5 of 19
Anonymous
Not applicable

Re: Just another 'should I apply' thread for AMEX

Denied. Bankruptcy in 2012. Clean since then. Good management history and everything since 2012. I really want an actual review done before I give up but idk what to do,now.
Message 6 of 19
Aprile421
Regular Contributor

Re: Just another 'should I apply' thread for AMEX

I closed on Tuesday on my house. I am in same boat as you. I wanted to apply for any cards I had been wanting before the mortgage hits and my scores dip a bit. I had been wanting the BCP from Amex for awhile since most of my monthly spend is gas and groceries. I went to the site did the pre qualify and it did the same thing. Said it couldn't find anything but suggested 3 cards.  I  went ahead and cold app'd for the BCP and I was instantly approved for $6000 my scores are very similar to yours so I think you probably have a good chance. They pulled Experian for my application.

Message 7 of 19
Anonymous
Not applicable

Re: Just another 'should I apply' thread for AMEX

Thanks, but with a 4.5yr old bk they blatantly told me they want nothing to do with me til 7 to 10yr after the bk closed. Lame as heck but it is what it is.
Message 8 of 19
Aprile421
Regular Contributor

Re: Just another 'should I apply' thread for AMEX

Sorry to hear that. Gives you something to work towards though Smiley Happy

Message 9 of 19
SouthJamaica
Mega Contributor

Re: Just another 'should I apply' thread for AMEX


@Anonymous wrote:
Denied. Bankruptcy in 2012. Clean since then. Good management history and everything since 2012. I really want an actual review done before I give up but idk what to do,now.

I wouldn't necessarily accept that statement as gospel. You get different answers from different people at these companies.

 

If you really want an Amex card, you can check periodically to see if you are prequalified.

 

Also bear in mind it's easier to get their charge cards than their credit cards, although to some people, like myself, they're less useful.

 

 

 


Total revolving limits 569520 (505320 reporting) FICO 8: EQ 699 TU 696 EX 673




Message 10 of 19
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