@Jenmarick wrote:In the past, I had been declined a couple times by Amex. Recently, my husband was approved for the Gold so I decided to give it another go. I did the precheck offers and the site matched me with offers for the Platinum, Delta, & Hilton Honors. It said I could apply with no impact to my credit unless I'm approved and accept.
I found the welcome offers for the HH to be most beneficial as I use my Cap One card heavily & pay it off monthly for the cash back rewards. I planned to replace it with the Amex. I pulled the trigger and was approved w/ a $5k limit! I'm in!My scores are TU- 680, Ex - 673, Eq - 686. They pulled Experian. I have an old 30 day late from last July & an account (closed in 2020 but reporting current) but not other baddies. I have 7 CCs and 2 are paid off. The utilization on the others is low and I plan to pay those off in the next few months.
Excellent work ma'am. Keep paying off the CC's, you'll see a big jump in score. How much can you PIF in that 90 days? 3x CLI go for it.
