@AMJ50 wrote:
@Brian_Earl_Spilner wrote:It's not unheard of for amex to approve charge cards with scores in the 640 range. For a core card like the BCE, you'll need scores around 700.
I was approved for a Hilton Amex Card no AF with a 618-620 Exp. But I applied on Hilton's site, because Amex never had any offers for me. SL is only $1000, but I ain't complaining. Glad to finally get in with AMEX.
I actually went for the AMEX Hilton card, but that was after applying for the Blue Cash card. Was shot down by AMEX who said that any subsequent apps following a "denied" app in the span of a 30 days would be an automatic denial.
Am curious if I should apply for the Hilton AMEX card on Hilton's website once the 30 days lapse... or try on AMEX website.
@YoungMoney06 wrote:
@Brian_Earl_Spilner wrote:It's not unheard of for amex to approve charge cards with scores in the 640 range. For a core card like the BCE, you'll need scores around 700.
That's what I've heard, that charge cards are slightly more "friendly" to getting compared to core cards. I am curious though if the same data points for core cards are required for "cobranded" cards, such as the Marriott Bonvoy, or even the Hilton card?
Would love to find out... but playing by the rules for AMEX and not applying again for the next 30 days (well, 21 days by now.)
Around 640
@Remedios wrote:@YoungMoney06 when do you expect your CR to be completely clean?
I'm only asking because that's the best time to apply for additional Amex cards.
You can certainly try in a few months, but if approved (for core and cobranded cards), you would be looking at agony low toy limits.
If you cannot wait till CR is clean, at least wait till your scores improve a bit.
Amex tends to be picky and punishing when it comes to approvals with negatives present, but there are plenty of lenders that are friendly to rebuilders.
I'd explore those avenues and go back to Amex when the table is set right.
Hopefully in the next few months. I've got about 3-4 CO's and maybe 3-4 collections, all dated back from 2015. I've since gotten a few store cards back in 2017 and 2018 and have kept them paid on time, including an auto loan that paid off in January 2020, and another that has been paid on time and will be paid of June 2022. So there's been some signs of stability since 2015. Roughly about 5-6 store cards over the last three years, all reflecting on time payments.
Not to mention an NFCU GoRewards card that I've had for about 2-3 years, a Capital One card and an NFCU Cash Rewards card which I just got a few months back and have kept them paid on time.