Thinking about applying for the AMEX EveryDay or EveryDay Preferred Card

[Anonymous]

I would really like to apply for the AMEX EveryDay or EveryDay Preferred card.  My current TU FICO is 682 and my EQ is 678.  My utilization is 31% and my AAoA is 3 years and 2 months.  I currently have have the AMEX Green Charge Card and have had it for 4 months. I hear that it is only a SP unless I get approved then it's a HP.  I've heard this card is fairly easy to get.

What are most people's FICOs, UTL and AAoA look like when approved for the AMEX EveryDay and EveryDay Preferred?

[TURNERHOOVER]

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@Anonymous wrote:

I would really like to apply for the AMEX EveryDay or EveryDay Preferred card.  My current TU FICO is 682 and my EQ is 678.  My utilization is 31% and my AAoA is 3 years and 2 months.  I currently have have the AMEX Green Charge Card and have had it for 4 months. I hear that it is only a SP unless I get approved then it's a HP.  I've heard this card is fairly easy to get.

What are most people's FICOs, UTL and AAoA look like when approved for the AMEX EveryDay and EveryDay Preferred?

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But AMEX only pulls EX though. What's that score? (661 EX ED approval score btw) 

[Anonymous]

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@TURNERHOOVER wrote:

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@Anonymous wrote:

I would really like to apply for the AMEX EveryDay or EveryDay Preferred card.  My current TU FICO is 682 and my EQ is 678.  My utilization is 31% and my AAoA is 3 years and 2 months.  I currently have have the AMEX Green Charge Card and have had it for 4 months. I hear that it is only a SP unless I get approved then it's a HP.  I've heard this card is fairly easy to get.

What are most people's FICOs, UTL and AAoA look like when approved for the AMEX EveryDay and EveryDay Preferred?

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But AMEX only pulls EX though. What's that score? (661 EX ED approval score btw) 

My EX is 680.

What was your utilization and AAoA when you applied?

[TURNERHOOVER]

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@Anonymous wrote:

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@TURNERHOOVER wrote:

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@Anonymous wrote:

I would really like to apply for the AMEX EveryDay or EveryDay Preferred card.  My current TU FICO is 682 and my EQ is 678.  My utilization is 31% and my AAoA is 3 years and 2 months.  I currently have have the AMEX Green Charge Card and have had it for 4 months. I hear that it is only a SP unless I get approved then it's a HP.  I've heard this card is fairly easy to get.

What are most people's FICOs, UTL and AAoA look like when approved for the AMEX EveryDay and EveryDay Preferred?

---

But AMEX only pulls EX though. What's that score? (661 EX ED approval score btw) 

My EX is 680.

What was your utilization and AAoA when you applied?

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Util 24% AAoA 4 yrs 4 mos

[Anonymous]

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@Anonymous wrote:

I would really like to apply for the AMEX EveryDay or EveryDay Preferred card.  My current TU FICO is 682 and my EQ is 678.  My utilization is 31% and my AAoA is 3 years and 2 months.  I currently have have the AMEX Green Charge Card and have had it for 4 months. I hear that it is only a SP unless I get approved then it's a HP.  I've heard this card is fairly easy to get.

What are most people's FICOs, UTL and AAoA look like when approved for the AMEX EveryDay and EveryDay Preferred?

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My EX, which is what they pulled, was 693. Util was 2%, and AAoA was 2 years 7 months. I also have a large open tax lien. 

[Anonymous]

Thanks.  It seems like I need to bring my utilzation down between 10%-20% before applying.

[msaigh]

friscojoe,

I have this card and I agree with the others.  Get your utilization to 10% or below, a with EX 680 score. My utilization was at 3% with a AAoA 36 months when i applied.

[Anonymous]

Is that true, that it's only a SP if you are denied, and a HP if you are approved? And if so, are all AMEX cards that way?

[msaigh]

My experience has been anytime you apply for a new card, regardless if you have an open account with Amex, they always do a hard pull. One the plus side they will backdate the new card to the date of your oldest Amex card.