When should I app for Amex again?

[Gneuroth]

Hi! Ive read a ton of these posts and I finally decided to sign up for my own account. Ive apped for a few different Amex cards since October of 2015 and ive been denied all 3 times that ive applied (most recent 1/7/16). My current goal is to get the PRG card and i wanted to know how long to wait before apping again. My EX score is 658 TU 694 and EQ 679, my utilization is pretty high at the moment (50%) but it will go down at the beginning of next month to 25%, so i think my scores should rise a bit as well. My AAoA is 2.4 years and i have no late payments and no derogs. Also my income is around 50k. 

[Gneuroth]

And i have 13 inqs on EX

[Pitt570]

atleast 30 days i believe i actually was just approved to the everday card and i have over 30 inq.

[Callandra]

What were the reasons for the previous denials?

Ideally get your util under 10%, or at least under 30% before apping again.

[Gneuroth]

Reasons were high utilization and length of time accounts established was too short

[Anonymous]

For best odds with AMEX... get your EXP score to at least 670. Thats "typically" the bureau they use. Utilization will play a huge key as well. From their point of view, why give you more credit, when you already owe high amounts on the credit you have.

[Gneuroth]

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@Anonymous wrote:

For best odds with AMEX... get your EXP score to at least 670. Thats "typically" the bureau they use. Utilization will play a huge key as well. From their point of view, why give you more credit, when you already owe high amounts on the credit you have.

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So im guessing if my util goes under 30 percent my score should be well above 670, should i still give it some time before i apply again?

[9CLINE]

good info given,,,I also think you should give it more time and get Util. down ~ 10%,& scores ~700 that way scores would be the best possible @ time of app...
Also you don't want to get in w/ lowest SL and highest Apr. so the better the reports the better you'll do.....
Best wishes to ya...

[Anonymous]

@Anonymous wrote:

For best odds with AMEX... get your EXP score to at least 670. Thats "typically" the bureau they use. Utilization will play a huge key as well. From their point of view, why give you more credit, when you already owe high amounts on the credit you have.

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+1 And it bears repeating. 

[myjourney]

Welcome to the forum 

Question:

Why so many HP's on EX and how many total across all CB's? 

I only see 5 cards in your sig but 13+ HP's on EX alone please explain are they a result of car, home, SL etc etc or aggressive credit seeking?

Baddies?

Are your current accounts new?

3 attempts in 4 months all denied says not only should you stop wasting HP's but wait at least 6 months before applying for anything again 

This gives you time to bring down the UTL ,build payment history and age accounts