how long should i wait to apply for Amex Everyday Card again?

[TheGeneralLee862]

I last applied in end of july for it and got denied and was wondering because my score has gone up a bit since last time if i should apply again? I also have 5 inquiries on EQUI, 5 with TRANS, 14 with EXP with roughly 52% Useage down a lot since last time, also the scores were , EQUI 644,TRANS 645, and EXP was 660, what do you think should i wait longer or any other tips too? Please and Thank You!

[AverageJoesCredit]

I understand Amex uses EX so perhaps you can try and lower your utilization as it seems a bit high?

[Anonymous]

My cents come in 2's

Pre-qual. On there website if nothing comes up move on...

And break the 700's boundary your're rite there jus a lil more push

[austinguy907]

IME the pre-qual doesn't mean crap with AMEX since I never had one and got an instant approval cold apping for $11K.

OP,  Drop your UTIL down below 20% and they might consider it.  This should bring your score up over 700 as well and raise your chances to start out with a better limit out of the gate with them.  If I recall you should wait 90 days for the denied application to purge from their system as well before attempting again w/o an instant denial due to the prev app.

[Anonymous]

agree with Austinguy.  With amex, just have a very low UTL, no recent bad remarks(best to have non at all), a score 640+ (the higher, the bigger the limit for me).  No need for a prequal 

[RaiseMyScoreASAP]

It's all about the Experian data with AMEX. Your UT is way too high and your score will lock you in a bad interest rate.I waited until I was over 700 before I would apply for the PRG AMEX. That is a charge card. The problem about getting credit cards with lower FICO scores is really two-fold. First,  you will most likely get a low credit line and second, your interest rate will probably not be great. Interest rates don't matter if you intend never to carry a balance, but really let's get real here things happen and people carry balances. Probably easier to get out of the low limit box than the interest rate box. I don't intend to get any additional credit cards until I am very certain that I will be offered the best interest rate. I just haven't seen much success in having a credit card issuer lower its interest rate once you are locked in even if your credit greatly improves. It's a real rip. I really do want the AMEX EveryDay Preferred because it is a great complement to the PRG but not at the risk of getting their highest interest rate and a toy limit. 

[Anonymous]

I'd wait at least 90 days.

[TheGeneralLee862]

My utilization just dropped to 35% and my scores are EQ 655, TRAN 659, and EXP 667. I know it is just barely under the 90 days still by a few days or so should i wait a few more days or try and apply now after the last Amex denial?

[austinguy907]

How did your scores go down by paying things down?  Did you sin and app again for something else?

[TheGeneralLee862]

Actually I have no idea why they went down but I guess it didn't matter because i went and apped for amex everyday card and was approved with a 1,000 dollar limit so i am pretty darn happy right now!