Should I take the plunge

[Anonymous]

I have a EX 640 FICO .. no collections .. 2 paid baddies .. work for LockHeed Martin w/ 79K annual income.. any luck??

[dragontears]

What are you looking to jump into? Not every cc pulls EX.....

[Anonymous]

I would like to get Amex. Scores elsewhere are 700 plus.. experian is the only one lagging behind with 640 FICO 8 .. or I guess I'm also asking, what Amex would be the easiest for me to be approved for?

[creditguy]

---

@Anonymous wrote:
I would like to get Amex. Scores elsewhere are 700 plus.. experian is the only one lagging behind with 640 FICO 8 .. or I guess I'm also asking, what Amex would be the easiest for me to be approved for?

---

The real question should be: What Amex do you want? and what card would benefit you most? Never apply for a card based on its preceived ease of approval. For your score a charge card from Amex would be the easiest to be approved for if scores were the only factor, but you would end up with a card with an AF that may not fit your needs. I'd work on getting your scores up and applying for a card you really want, that way you increase your odds of approval and a better SL. 

[Anonymous]

---

@Anonymous wrote:
I would like to get Amex. Scores elsewhere are 700 plus.. experian is the only one lagging behind with 640 FICO 8 .. or I guess I'm also asking, what Amex would be the easiest for me to be approved for?

---

Amex pretty universally pulls EX, so they would probably be the hardest to get approved for - assuming your EQ and TU are 700+, while EX is clear down at 640.

Why is it so much lower? 700ish will get you approved for most cards, assuming clean reports but a 640 is kind of down in no-man's land.

[Anonymous]

I can say 640 is the very low end for Amex but back when I got my BCE I had a 643 and 3 CO's showing. Only a 1k limit tho.

If you do get approved it would be a low limit card and then the 3X CLI thing has had reports of not working on SLs lower than 2k

[Anonymous]

I would check out CB Database and make your decision based on that. GL. (keep us posted)

[Anonymous]

Good luck!

[ls2016]

OP, I was approved for the Amex ED card with a 646 EX score with conditions: No bonus. SL $500, make on-time payments for 5 statements, then receive increase. 13 baddies on report to include late payments as recent as 9 months ago and paid collections, $50,000 annual income. Didn't need the card, just applied due to all the hype ( I know: not a good reason to app). Util 2%, total credit limits: $45,000 (ranging from SL of $500-$15,000). 13 inquires on Ex. As you can see, I barely got in. Care less about low limits as I barely use any of my cards, have them to build credit and not necessarily for everyday usage. Have a mixture of prime, sub-prime, and store cards. So, good luck in applying and although I didn't wait, I'll encourage you too!

[Anonymous]

I DID IT!!!!

i was approved for the Amex PRG & the silver everyday card at the same time!!! EX at the time was 679.. 2 paid CO's .. 3 secured cards. Thanks everyone!!!