So I've been frequently going to the AMEX pre-approval site just to see if I'll pre-qualify some day. Yesterday, I was actually pre-approved!! I know I should've waited until my Wells Fargo card reported a lower balance since I paid it down to $300 instead of the $781 it's reporting, but I'm just too impatient. I hit that apply button and APPROVED!! Only $500, but man does it feel good! Not sure what changed, but it might have been one of my old student loan accounts being deleted that did the trick. I still have 2 accounts with 120+ lates (from 7 years ago), and 2 accounts in collections (at least for Experian, which they pulled, and are also 7 years old).
Just wanted to share some data points for others! You can also see what other cards/loans I have in my siggy, and I use the AZEO method.
Applied For: American Express Blue Cash Everyday
CRA Pulled: Experian
Score: 651
Lates/Collections: 2 accounts showing 120+ from 7 years ago/2 accounts (medical) from 7 years ago
Approved: $500
LOVE YOU GUYS!! 
Congrats and welcome to the AMEX family!!! Enjoy 
@JustBPatient wrote:Use the heck out of it, PIF, then do it again!! Good luck in 61 days!!
Was just about to ask how long I should wait before asking for a CLI. This is the last card I wanted, so I'm definitely going to be sippin some hot apple cider in the garden for a while. I've been using my Discover IT card in place of my debit card and just PIF on that one. Now I'm going to have to split it between my AMEX and Discover so I can get CLI on both. It's a little harder keeping track of how much money I have doing it this way, but I make sure I only spend what I actually have in my bank account. I can't believe I'm being such an adult and making responsible decisions! Feels pretty good!
Way to go!!! So happy for you!
Congrats on your Amex BCE approval!
Congrats on the approval. For the accounts showing from 7 years ago, have you tried EE for them?
