@Anonymous wrote:
Congrats on the approval! Very awesome to cold-app like that and get in. I’m looking forward to joining the club as soon as I kick my EX up farther (waiting on an EX update that’ll show removal of a baddie and lower Util).
So you used the prequal pages and saw nothing, and then were still approved?
Yes. The average "low" approval for the card is 640. I had intended to wait until my uti was lower, the 3 baddies were removed, and my score was near 670, but it just happened. I was never pre-qualified for any card so I didn't bother this time. I think my most recent prequal attempt was about a week prior. As with the PayPal, sometimes you just gotta shoot your shot. Based on your sig, you might get in with a mid-630 score. I knew amex didn't care much about inq so I said why the fico not. With 6 baddies showing, I'm actually surprised about the approval. My most recent late was also less than a year ago, which I forgot about, and supposedly amex won't approve without at least a year clean.
