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Question about Amex with 6 months AAoA

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orestrus
Frequent Contributor

Question about Amex with 6 months AAoA

Im counting days down, wating for my BofA's 6th statement that is due to be cut on May 24th( this is my " oldest" card) How many days i should wait after the statement before applying for Amex? Just want to be sure that by the time i apply, Experian has my 6 months of history. Thanks
BofA 5k, Cap 1 Journey 300, Cap 1 QS1 300, Walmart 6k,
Amex BCE 2000, Amex PRG, Amex Delta Gold 2k, Macy's 5k, Bloomies 6k, Amazon 6k, JCP 5k Macy's Amex 1.5k,
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chalupaman
Super Contributor

Re: Question about Amex with 6 months AAoA


@orestrus wrote:
Im counting days down, wating for my BofA's 6th statement that is due to be cut on May 24th( this is my " oldest" card) How many days i should wait after the statement before applying for Amex? Just want to be sure that by the time i apply, Experian has my 6 months of history. Thanks

I'd do it as soon as everything is reporting properly on Experian. Good luck!

 

I think BoA tends to report pretty quickly too but just double check to be sure you've generated a FICO score too before applying for Amex.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
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newhis
Valued Contributor

Re: Question about Amex with 6 months AAoA

I waited 7 months until I got a pre-approval on Amex site, PRG with 50K points $1K promo.

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