should I App?

[Anonymous]

My scores are EQ-650 Trans-642 EXP-653

My question is witch Amex card should i apply for. Also i have 2 cap1 QS cards. should i app for a venture one?

[jacetx]

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@Anonymous wrote:

My scores are EQ-650 Trans-642 EXP-653

My question is witch Amex card should i apply for. Also i have 2 cap1 QS cards. should i app for a venture one?

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What kind of card are you looking for? Have you checked prequal sites? Any baddies? Inquiries? How old are those QS?

[Anonymous]

I'm really just looking to thicken my file. i have 5inq on each. make 50K a year. UTI is at 40%. i've had one cap1 card for 13 months and one for 7 months.

Nothing comes up on the pre qual sites. 

[Anonymous]

also have a few baddies that all have been paid in full

[jacetx]

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@Anonymous wrote:

I'm really just looking to thicken my file. i have 5inq on each. make 50K a year. UTI is at 40%. i've had one cap1 card for 13 months and one for 7 months.

Nothing comes up on the pre qual sites. 

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Your utilization is a little high. For better chances of a high SL and approval it is recommended that all cards have a reported 0% balance except one reporting < 10%. 

[Hokies2379]

Personally I wouldn't app for Amex with that file and EX score.  You *might* get in, but most likely not.

[jacetx]

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@Anonymous wrote:

also have a few baddies that all have been paid in full

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Even if those have been paid they still affect you. How old are they?

[Anonymous]

They are all 3 years old. do you think there is a diff card i have a better shot at?

[jacetx]

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@Anonymous wrote:

They are all 3 years old. do you think there is a diff card i have a better shot at?

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Personally I would wait and not apply for anything at the moment. The combination of the baddies + high util + low scores would get you a very low SL and probably a borderline approval. Garden for a few more months and let the newest card age, also keep in mind that as years passes the impact of negative items tend to be less.

[Anonymous]

I may just wait, im just getting the itch to apply :]