Cracking the code with Amex?

[myjourney]

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@nitrov wrote:

UPDATE of the century for me!

So my credit score has finally inched it's way up on all 3 bureaus and EX is right around 718 right now. I placed a fraud alert on all my bureaus, apped for the PRG on the 31st, got the "need to review your application" response, and called in. I spoke with a rep yesterday and canceled my Optima card after I saw the hard pull from EX on my credit report. Today I called back and spoke to New Accounts, did the fraud alert verification, and to my EXTREME and very pleasant surprise, I was APPROVED for the PRG card!

WOOOOOOOOOOOOOOOOOOOHOOOOOOOOOOOOOOOOOO

Not sure if closing Optima was in any way necessary, but it worked out for me perfectly. 

I got a little cocky and figured I'd try apping for the Gold Delta card for business, got the "further review" response, called in, and it was auto-declined, likely since I just got the other card today. I guess I'll have to wait a few months on that. 

How long do you guys recommend I wait before I apply for a revolver? I'm dying to get a card with a good solid CL over $5000.

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Congrats on the approval wait a few months and try again SP if denied HP if approved your in there now

[nitrov]

Anybody have any tips on a card I could app for while I'm on my spree that'll give me a decent CL?

[blunderer]

Congrats on the approval with AMEX.  I'm glad you were able to work it out.

[CreditJunkie917]

Would need more info on your profile. If you are border line, I would suggest starting off with a charge card. But if you are 700+ with no baddies and some other good profile info, you could get a decent limit on one of their revolvers. But its YMMV

[nitrov]

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@CreditJunkie917 wrote:

Would need more info on your profile. If you are border line, I would suggest starting off with a charge card. But if you are 700+ with no baddies and some other good profile info, you could get a decent limit on one of their revolvers. But its YMMV

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As of right now, I'm low 700s across the board with no baddies on anything. Amex auto-declined me earlier today when apping for a business revolver. Not sure how long I need to wait but I'm thinking of shooting for another company. Currently my highest CL is Barclays at $2500 unless you include store cards or specialty finance crap like Lowes or Care Credit, which are 5000 and 6300, respectively.

[sjt]

Congrats!!!

Im dont think closing the Optima made the difference since they did a hard pull.

[nitrov]

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@sjt wrote:

Congrats!!!

Im dont think closing the Optima made the difference since they did a hard pull.

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I tend to agree with you, just not sure what made them do the HP this time when they didn't do one on the BCE I recently applied for and instead just automatically declined me. Amex will just remain a mystery I guess, I'm just glad I got the new card! I was told I'll be able to call back in about a week and request them to backdate the cardmember date as well back to 2007. Not sure how it's going to show up on my credit bureaus though.

[nitrov]

So, interest thing happened. I mentioned earlier that I apped for the Gold Delta Skymiles for Business card the same day I got the approval for the PRG and got an auto-decline. I got the letter today saying the decline reason was because my EX FICO came back 641. I find this crazy because I know by EX is around 718 and I highly doubt they would've approved my PRG with a 641 score. 

How do I find out what my score was when my PRG was approved? Is it risky to call and ask them?

I only got one HP from Amex.

[myjourney]

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@nitrov wrote:

So, interest thing happened. I mentioned earlier that I apped for the Gold Delta Skymiles for Business card the same day I got the approval for the PRG and got an auto-decline. I got the letter today saying the decline reason was because my EX FICO came back 641. I find this crazy because I know by EX is around 718 and I highly doubt they would've approved my PRG with a 641 score. 

How do I find out what my score was when my PRG was approved? Is it risky to call and ask them?

I only got one HP from Amex.

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See if your score come with the Delta 

But you can be approved for a PRG with a 641 

Charge cards are much easier to get 

And remember Amex has it's own scoring system which they apply along with your scores

[nitrov]

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@myjourney wrote:

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@nitrov wrote:

So, interest thing happened. I mentioned earlier that I apped for the Gold Delta Skymiles for Business card the same day I got the approval for the PRG and got an auto-decline. I got the letter today saying the decline reason was because my EX FICO came back 641. I find this crazy because I know by EX is around 718 and I highly doubt they would've approved my PRG with a 641 score. 

How do I find out what my score was when my PRG was approved? Is it risky to call and ask them?

I only got one HP from Amex.

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See if your score come with the Delta 

But you can be approved for a PRG with a 641 

Charge cards are much easier to get 

And remember Amex has it's own scoring system which they apply along with your scores

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The 641 is what came with Delta. No score came with the approved PRG. I guess I'll just take it and not question it and app for a revolver in 6 months. I find it hard to believe they'd approve the PRG with that score, nor do I get why the score would've come back that low.