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Hey all,
New to board. I am really interested in applying for the AmEx platinum and was hoping if y'all could give me a little feedback.
Back story:
Eq: 615 Tu: 624 Eq: 596 (I know scores are low)
Have a DSNB Amex in Charge-Off (08/2011) shows as "Amex/Dsnb" on report
Also have 3 other CO's with most recent in 2012.
Util: 30%
Would Amex hold it against me due to that card?
Yes they most likely will turn you away, I have heard they are not friendly towards derogs on accounts, and I think you will have better luck when your scores are over 700.
Welcome to the forum
Thanks for the input!
I shouldn't have an issue of being "blacklisted" due to the Amex DSNB card?
@Anonymous wrote:Hey all,
New to board. I am really interested in applying for the AmEx platinum and was hoping if y'all could give me a little feedback.
Back story:
Eq: 615 Tu: 624 Eq: 596 (I know scores are low)
Have a DSNB Amex in Charge-Off (08/2011) shows as "Amex/Dsnb" on report
Also have 3 other CO's with most recent in 2012.
Util: 30%
Would Amex hold it against me due to that card?
Not sure about that DSNB (Macys?) card. I know that particular card is not issued by Amex, so I don't think you will be blacklisted, but your scores are too low for Amex right now imo. Really need to be in mid to upper 600s to have a shot at getting in with the charge accounts. That platinum card is a nice card to have for travel purposes, keep in mind though if you do apply down the road and get approved, the $450 AF gets charged right away. Good luck!
I appreciate all the feedback, thanks!
Do you remember what your scores were when you app'd Delta and PRG?