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CC Approval, Apply for more?

Regular Contributor

Re: CC Approval, Apply for more?

Amex at 628? Nicely done my friend
Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit Smiley Happy
Message 11 of 15

Re: CC Approval, Apply for more?

Thank you for everyone's answers! I have been very careful with my credit, I only have 6 months history but I'm using wisely, I have 3 inquiries, one store card and now the American Express. I think I will just continue to build my credit as much as possible with what I have, I hope to finance a car this time next year.
Message 12 of 15
Valued Contributor

Re: CC Approval, Apply for more?

bluesnowman wrote:

Do you mind If I may ask how many inquires you have on all bureaus. The reason I ask is because I think you could try potentially for another Amex in 6 months or so, because a 628 is not If you have a lot, that could explain your score, and your chances of getting approved for additional cards. 

You really need to hold off on more apps and garden. 628 is pretty horrible, and definitely not a score with which I would use to apply for additional cards.

EX 798, EQ 789, TU 784
American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Message 13 of 15

Re: CC Approval, Apply for more?

I don't plan on applying for anything else after all the advice and thinking it through. I really don't need all the credit, I just want to build and maintain a good clean score.
Message 14 of 15
Frequent Contributor

Re: CC Approval, Apply for more?

CreditScholar- Was that post meant for me or for the OP? AFAIK, my scores are 700+...but I'm not sure who you were referring to in your post. I agree, OP, your scores need to be at least 680+ if you want a shot at getting good cards with good limits..IMO.

Bank of America: Cash Rewards.- 4.2k. 4/25/12 (CLI Increase 6/15/13, CLI May of 2015, sept 2015), Citi: Forward- 4.5k. 10/27/12 (CLI on 2/8/14, SP, CLI on 9/26/15 sp). Discover: More- 7k, 10/27/12 (Increase 6/1/14, CLI in May of 2015, SP 9/2015) Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 5k (EX CLI HP 9/2015) Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-5k 12/8/13 (CLI on 9/2015) Capital one VentureOne Visa Signature-10k (9/6/15). Citi AAdvantage Platinum Select World MasterCard-4K. Last App: 9/6/15. Total cl: 45,300
Message 15 of 15